We are an NCR-registered Debt Counselling service, providing support in line with the National Credit Act (NCA), 34 of 2005 (as amended). Our role is to help consumers assess over-indebtedness and, where applicable, guide them through the formal debt review process in a lawful and structured manner.
Debt Review
Debt Counselling Consultation
Debt Review Removal
Placement Under Debt Review
Monthly Repayments via Payment Distribution Agent (PDA)
Ongoing Administration & Support
We assess each consumer’s financial position, including income, expenses, and credit obligations, to determine whether debt review is appropriate, and where applicable, facilitate the restructuring of repayments based on affordability while engaging with credit providers in accordance with the Act. Once under debt review, we guide the process through to court or Tribunal confirmation, with payments administered via a registered Payment Distribution Agent (PDA), and provide ongoing support by monitoring compliance, addressing discrepancies, and offering budgeting guidance. We also assist with the formal removal from debt review once all obligations have been met, including the issuing of a Clearance Certificate (Form 19), updating credit bureaus, and confirming the consumer’s exit from the process, with the overall objective of enabling sustainable debt repayment and financial recovery in line with regulatory requirements.
