What is
Debt Counselling?

What is Debt Counselling?

Debt Counselling is a structured process designed to assist South Africans facing immense debt challenges.

Here at DebtSafe, we understand how quickly debt can become unmanageable. Our qualified Debt Counsellors will work with you to understand your unique situation and create a personalised plan to repay your debts in a way that gives you the means to restore financial stability for your family. 

Get your free quote here.

When to Consider Debt Counselling

If you’re feeling stressed or overwhelmed by debt, Debt Counselling can help. Here are some signs that it might be a good option for you:

You must choose between providing for your family and paying your creditors because there isn’t enough money for both. 

You do not know how to get out of debt or where to begin addressing the problem.

You feel like you’re never going to get out of debt.

Debt Counselling can provide immediate relief & support by lowering your monthly payments and combining your debts into one manageable amount. 


your financial story

How Debt Counselling Works

Debt counselling is a proven process with clear steps that take control of your debt, making it easy to manage so you can experience much-needed financial relief.

Here’s what you can expect from our service:


Get Started:

Our friendly team will explain the Debt Counselling process in simple terms and answer any questions you may have.


Immediate Relief:

Once you sign up for our Debt Review service, your monthly debt payments will be significantly reduced. This will help you breathe easier and focus on getting back on track.


Negotiation Powerhouse:

Our experienced team will take over communication with your creditors, skillfully negotiating for the best possible reductions on your debt repayments.


Financial Relief Confirmed:

 Your new, affordable repayment plan will be secured by a court order, ensuring stability throughout the program.


Easy Payments:

DebtSafe’s system makes managing your debt repayments effortless. Your consolidated payment is distributed to your creditors on time, every time.


Clearance and Freedom:

Upon completing the process, you’ll receive a Clearance Certificate. This certificate is your ticket to a debt-free life and a fresh start to rebuilding a healthy credit record. 

Benefits of  Our Debt Counselling Services

Reduce Your Monthly Payments:

Our Debt Counsellors negotiate with your creditors to drastically lower your monthly debt payments, freeing up more money for your living costs. 

Consolidate Your Debts:

We combine multiple debts into a single, lower monthly payment, simplifying your budget and reducing stress.

Stop Creditor Harassment:

Our Debt Counsellors handle all communication with your creditors on your behalf, so you don’t have to deal with them directly.

Hope for a Brighter Financial Future Starts Today

What is a Debt Counsellor and What Do They Do?
A debt counsellor is a qualified professional who manages your Debt Review process.

They will:

Review your financial situation:

Your debt counsellor will analyse your income, expenses, and debts to understand your unique financial picture.

Negotiate with your creditors:

They will use their expertise and experience to negotiate lower monthly payments on your behalf.

Develop a repayment plan:

They will work with you to create a realistic and manageable repayment plan for your debts.

Communicate with your creditors:

Your debt counsellor will handle all communication with your creditors throughout the program.

They will guide you through your Debt Review,

Provide updates on your progress toward a debt-free future, and ensure your creditors and the credit bureaus receive your Clearance Certificate when your Debt Review has been completed. 

Here’s how to know if a Debt Counsellor is legitimate:

They are registered with the National Credit Regulator (NCR) and will have an NCR Registration Number.

They should charge a fair and transparent fee.

They should be upfront about the process and your expectations.

DebtSafe’s team of qualified Debt Counsellors is here to support you every step of the way. 

Ready to let us help you take back control of your debt?

We are committed to helping you achieve financial freedom and a brighter future.

Request Your Free Quote Here