Struggling with Credit Card Debt?
Get your FREE quote today!



Debt Counselling Services

What is Debt Counselling?

Debt Counselling is a formal debt solution introduced by the National Credit Act in 2007 and has been proven to be the easiest and cheapest way to becoming Debt Free whilst still ensuring that you have enough money to survive day to day.

How does it work?

We review all you current credit commitments (Loans, bonds, H.P. agreements, Credit/Store Cards etc.) and consolidate them into one affordable payment by negotiating new terms, interest rates with your credit providers thereby reducing your monthly payments to terms that are acceptable to your credit providers whilst ensuring you have enough funds to maintain your basic needs and expenses.

Debt Therapy has Mandates with over 90% of the Credit providers to engage with negotiations on behalf of our clients and in some cases can reduce interest rates down to Zero % where necessary provided that they receive a reasonable repayment period.

What are the advantages of Debt Counselling?

Debt Counselling, Debt Reviews and Debt Consolidation

Why Choose Us?

Debt Therapy is the first company in South Africa to offer Debt Counselling since the National Credit Act was implemented in 2007. We have the experience to listen to your problems and help find a solution that fits your life.

Personal service, no call centers and you get your very own dedicated account manager to guide you through the process.

If you need help resolving your debt problems, take action now! You can rest assured that you are in safe hands with Debt Therapy.

Debt review awards
Debt Review Awards 2019 Post Peer Review
Report Debt Therapy

Simple Calculator

Debt Therapy has been awarded as one of the top 3 debt counselling companies in SA for the last 5 years running. We are the current winner at the 2019 awards. Offering you:

Get help with your debts.


No, it does not make a difference, your bond will also be included in the debt review.

This depends on numerous factors and can only be determined once we have all the facts at hand (the total amount available for your creditors, total debt outstanding and agreed negotiated rates with your creditors). You will get a full breakdown when everything is processed.

In the majority of cases the Banks will accept a reasonable offer, usually around 80% of your bond, but in some cases we will keep normal instalments on your bond. We will certainly make sure your bond is treated as the highest priority debt in order to make sure your home is secure.

Yes, if you are married COP it means that you legally share all assets as well as debts with your partner. Therefore, by law, both of you must go under debt review.

You may join the plan immediately subject to completing the application, submitting all relevant documentation and filling the qualification requirements.

Your creditors shall according to National Credit Act stop pursuing you when you have been placed under debt review. Sometimes it can take a bit of time for creditors to update all their departments that you are under review – should they contact you, let them know that we are your debt counsellors and that we are acting on your behalf. You should forward any letters for us to deal with on your behalf.

No. We treat our clients with trust and respect. You will not have to take time off work to visit us and no one will visit you. We will only contact you when it is necessary.

Yes, we will deal with all your unsecured and secured loans. When we analyse your finances, we will make appropriate allowances for you to be able to afford your day-to-day expenses before we calculate how much you can afford to pay your creditors.