skip to Main Content
How Does Debt Counselling Work?
Fill in your details for your free, no obligation debt assessment and we’ll give you a call.

Privacy policy

The Debt Counselling program is built to drastically reduce your monthly repayments and to completely fix your credit score. Here's how the program works:

Following your complimentary, obligation free, debt consultation you’ll be able to make an informed decision on whether Debt Counselling is the right solution for you. And when you decide to join our program, we will start by completing an in-depth debt assessment.

During the in-depth debt assessment, you will already receive a much-needed reduction in your monthly debt payments, plus legal protection.

Then, we start negotiations with your creditors to get you a proper reduction on your monthly repayment plan.

When negotiations with your creditors are completed we make your new, lowered, repayment plan official through a court order at the Magistrates Court.

After the court order is granted you simply have to make sure to you pay your new monthly repayment timely each month. And we’ll guarantee that your money gets distributed to your creditors.

With the successful completion of your program, we will issue a Clearance Certificate. This certificate is sent to you and the credit bureaus – who are then required by law to remove negative listings from your report. Leaving you with a completely fixed and healthy credit score.

Bonus – you can keep an eye on how you progress through the Debt Counselling program whenever you want through the online Client Portal.

Registered with the NCR.
Reg: #NCRDC1078

Debt Counselling Benefits
Completely repair your credit score.
Lower your monthly debt instalments for financial relief.
Merge your monthly debt payments into one reduced repayment.
These are just some of the benefits you’ll receive when signing up for DebtSafe’s Debt Counselling program.
Complimentary Debt Consulting Services
Let DebtSafe’s professional debt management team give you more info on how we can reduce repayments and fix your credit.
We will:
Assess and consider your debt situation for you.
Advise you on what your best options are to fix your debt.
Give you more info about our Debt Counselling process.
Extras Our Clients' Receive

– we’ll cover your debt for up to 12 months.


– we’ll settle your debt up to R 1 000 000 in the event of your death.

Maternity Leave benefit

– get up to 3 months’ debt cover.

Temporary Disability

– we’ll cover your debt up to 12 months.

How does DebtSafe's Process Work?

Start by requesting your free, no obligation debt assessment and we’ll call you.


Our team of experts use their experience and skills to negotiate with your creditors for a new, reduced and consolidated, repayment plan.

You'll Receive
  • Income Rescue Plan – extra protection against retrenchment, death, maternity leave, disability and identity theft.
  • A registered Debt Counsellor and legal protection against your creditors.
  • A free debt assessment, a personalised budget & proper cash flow relief.
  • Up to 60% decrease in your monthly debt repayments in one consolidated plan.

Under the protection and help of our program, you can comfortably fix your debt, starting your journey to fully restored finances.

You'll Receive
  • Safe, secure distribution of your money to your creditors.
  • Access to Client Portal, where you can track your progress.
  • A registered Debt Counsellor.
  • Legal protection against creditors.
  • A Clearance Certificate that signals the completion of your program and with it the complete restoration of your credit record.
Our professional team is ready to show you how we can reduce your payments and fix your credit.