Debt Counselling

Get Out Of Debt Without Borrowing

We can reduce your monthly payments by as much as 50%

Experience Debt Relief Today

On 1 June 2007, the South African Government legislated the National Credit Act (NCA) to promote an effective, fair and accessible credit market. More than 10 million South Africans are in arrears with their debt repayments, affecting people from many diverse background and income streams. The NCA was specifically implemented to protect consumers from "reckless lending" and "over-indebtedness", and it requires that consumers be referred for debt counselling before any legal action be taken against them for non-payment of debts. Consumers who find themselves in financial difficulty are able to apply for debt counselling and placed under debt review.

7 Step Debt Counselling Process

Our teams at Debt Relief Today are bright, dedicated and service oriented people who are passionate about helping our clients gain back their financial freedom. With our 7 step debt counselling process you are guaranteed to get back on financial track, as long as you continue to co-operate and honour the terms of your newly restructured payment plans.


The scenario below illustrates what can be done through effective debt counselling, payment restructuring and negotiation with creditors.

* Please note that each case is different and results vary based on various factors.

Item Previous Payment Proposed Payment Reduced By
Home Loan R 7,000.00 p/m R 4,339.83 p/m R 2,660.17 p/m
Omnifin R 2,500.00 p/m R 759.31 p/m R 1,740.69 p/m
African Bank R 1,170.00 p/m R 592.14 p/m R 577.87 p/m
Wesbank Car Finance R 3,500.00 p/m R 1,994.41 p/m R 1505.59 p/m
Personal Loan R 1,333.33 p/m R 541.14 p/m R 792.19 p/m
ABSA Overdraft R 1,991.00 p/m R 79.47 p/m R 1,911.53 p/m
Total R 17,494.33 p/m R 8,256.30 p/m R 9,237.70 p/m

That is a 53% Reduction In The Monthly Instalment!

Why Use Debt Relief Today?

Here at Debt Relief Today we can help you avoid being blacklisted as we communicate with your credit providers so you don't have to.

We can offer you:

  • Professional Assistance from an Industry Leading Debt Counsellor
  • Assistance in all 9 Official South African Languages
  • Fast Settlement
  • Regulated Fees
  • Confidentiality Guaranteed
  • Real Financial Solutions
  • No More Debt Collectors

Financial Assessment

We are able to help you determine your current financial position

Payment Restructuring

We will help you to structure a payment system that works for you.

Debt Negotiation

We will negotiate with your credit providers on your behalf.

Are You Over-Indebted?

Over-indebted is a legal term which means you owe more than you can pay at the end of the month. Does your monthly expenses exceed your monthly income? Are you stuck in a circle of never ending debt and seemingly no way out? Are you avoiding debt collectors? Do you need debt relief?

Debt Relief Today can help you!

Debt Relief Today is devoted to helping South Africans gain financial stability and solve their debt problems in the least amount of time possible. We have the power to consolidate all your debt into one affordable monthly instalment. We will negotiate with all your credit providers and restructure your monthly payments to a reasonable amount whereby you are still left with enough money for living expenses. We offer a large range of debt solutions and Debt Relief Today endeavours to help you make positive financial decisions. We will find a workable solution to all your debt problems and guide you step-by-step until you are debt free.

Why Choose Debt Relief Today?

Professional Counsellors

Only deal with registered debt relief counsellors

Quick and Easy Assessment

We quickly determine your financial position

New Payment Plan

Our counsellors handle all your accounts and creditors for you

What Our Clients Say

"I never thought I could save so much money every month!"

Nomathamsanqa from Centurion