Do I need Debt Counselling? Free Checklist

If you are struggling to pay your debts every month, you might be wondering if you need debt counselling. Debt counselling, also known as debt review, is a legal process that helps over-indebted consumers to restructure their debt repayments and become debt free.

But how do you know if you qualify for debt counselling and if it is the right solution for you?

Step 1: Assess your financial situation

To help you answer this step, we have prepared a free checklist that you can use to assess your financial situation and see if debt counselling is a good option for you. Of course, the best method to understand whether or not you require debt counselling is to fill out the no-obligation assessment which you can access here.

Answer the questions below. If you answer yes to more than 4 of these questions, request a free call back here and get the help you need.

  1. Do you spend more than you earn every month?
  2. Do you rely on credit cards, overdrafts, or payday loans to cover your living expenses?
  3. Do you skip or make partial payments on your debts?
  4. Do you receive calls or letters from creditors or debt collectors?
  5. Do you have any legal action or judgments against you for unpaid debts?
  6. Do you have difficulty keeping track of your debts and payments?
  7. Does your total debt exceed R30 000?
  8. Do you feel stressed, anxious, or depressed about your finances?
  9. Do you avoid opening your bills or checking your bank statements?
  10. Are you permanently employed or have a reliable income, but all your money goes to debt with little left for you to live on?


Step 2: Reach out for help

If you find that you are in financial distress, know that you are not alone. Many South Africans are facing the same challenges due to the high cost of living, low-income growth, unemployment, and the aftereffects of a global pandemic. The good news is that there is a way out of debt, and it is called debt counselling.

Debt Counselling through Debt Rescue assists you by:

  • Consolidating your debts into one affordable monthly payment
  • Reducing your interest rates and fees
  • Protecting you and your assets from creditors
  • Providing you with financial education and support to assist you in becoming the best financial manager in your own finances.
  • Becoming debt free
Debt Counselling Prerequisites

To qualify for debt counselling there are a few requirements which you should be aware of:

  • Your debt needs to exceed R30 000 in total
  • If married in Community of Property (COP), your spouse will need to apply with you for debt counselling
  • You must have a reliable income
  • No legal action can be taken against you before applying for debt counselling


Step 3: Become debt free

At Debt Rescue, we have helped thousands of consumers to regain control of their finances and achieve financial freedom through debt counselling. We have a large qualified and experienced team who will assess your situation, negotiate with your creditors, and guide you through every step of the process.

Have a chat with us, find out more about stepping onto the path of financial freedom.


Call Us

We will Call You



Leave a Reply

Your email address will not be published.

Thank you!

We look forward to the opportunity to get you debt-free!

Did you know?

You can start your application process already. Simply download your assessment or fill in our online application and get one step closer to becoming debt-free with Debt Rescue!

Subscribe to Our Weekly Email

By completing this form, you are providing Debt Rescue with the above personal information and acknowledge the terms of Debt Rescue’s Privacy Notice.