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DebtSafe – Let’s fix your debt.

HOW we FIX DEBT

We create a practical, personalised, financial recovery plan that:

Restores payments in arrears.
No-loan debt consolidation.
Combines debt accounts into one.
Gives immediate cash flow relief.
Reduces your monthly debt instalments.
Is a sustainable, regulated program.
Protects against creditors and repossession.
Leaves enough cash flow for family’s living costs.
In the end, leaves the all-clear on your credit record.

AND get the option to cover your debt against retrenchment, disability, death, maternity and much more with Credit Guard.

WHAT we do

The process of Debt Review goes by many names – some call it Debt Counselling, others refer to it as Debt Consolidation – and what it does is provide a practical, proven, way to FIX your DEBT.

Here’s how the process navigates you out of debt:

Apply

Start with a free quote on your personalised financial recovery plan – no-obligation.

Restructure

Get a new, reduced and consolidated, repayment plan that fixes your payments in arrears.

Restore

Set in motion your new repayment plan and reach your financial turning point of serious cash-flow relief and legal protection.

Ready to fix your debt? – It’s go time! – Join the program that works

WHY our program works

Over 10-years of proven success.
More than 30 000 South Africans assisted.
Regulated by the NCR.
Registered professionals.
Expert creditor negotiators.
National attorney network.
Regulated fees / no upfront fees.
Value-added debt cover.
Overall client satisfaction score of 4.8/5

WHO this process is for

Your payments are in arrears.
Your income isn’t enough to cover your debt.
You don’t have enough cash-flow to cover your family’s living costs.
Creditors are harassing you to the point that you do not even answer your phone.
You are employed or have a stable income but it just doesn’t seem enough to get you out of your debt.

And if the above is influencing your physical health – severe anxiety, sleepless nights, unable to concentrate at work, depression – then there really is no time to waste.

Every day you wait the toll debt is taking on your health and family rises and you run a very real risk of losing your home or car.

It’s time to get moving. Our program is a proven financial lifeline. Be decisive, take this opportunity and set in motion our action plan that FIXES DEBT.

What our clients say & confirm about us:

DebtSafe’s professional team of experts go above and beyond to make sure our clients get the service and support they deserve.

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Start your free assessment and action plan by completing the questions below:

Are you currently receiving an income? (salary, social grants, UIF, pension etc.)
- Yes
- No
Unfortunately, to be able to qualify for our program you must be employed or receive regular and consistent income, even if the income is a social grant, UIF or pension.

If you are experiencing a loss of income because of COVID-19, please visit the South African Government's official online resource and news portal to see what relief measures are available for individuals and businesses. Here is the link to that page: www.sacoronavirus.co.za/guidelines-and-relief/

You can also negotiate with your creditors directly to see if they can offer you some sort of breathing space for a few months. Pay them as far as you can. If too much time passes and you still are not able to make payments to your creditors they will most likely Summons you. You will then be able to explain to the court why you are unable to pay and ask the court to give you 3-6 months to find a job or a form of income. Do not stay away and ignore the Summons. Show up at the court and state your case.

You can also contact the Credit Ombud or National Credit Regulator to see if they have options available to assist with your current situation.

Hope this info helps.
What is your current total debt?
- Less than R20 000
- More than R20 000
Before considering our program we would advise that you try to negotiate with your creditors first.

Many South Africans don't know this, but you have the right to negotiate with your creditors if you are having trouble repaying your accounts. Here is what you need to negotiate with each creditor:
- A written motivation explaining your financial situation and why you need a leniency period.
- A budget that shows your cash flow.
- A timeline on how long you will need a leniency period on your payments.
- Calculation on how much you can pay the creditor during the leniency period and how you plan to catch up with your payments after the leniency period is done.
If you have negotiated with your creditors, but still find that you are falling more into arrears, then you are welcome to contact us for assistance and we'll see if and how we can help to fix your debt.
Fill in your contact details below and a qualified DebtSafe consultant will contact you for your free quote.
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Visit the official → South African Resource Portal ← for more information about the COVID-19 Corona Virus.