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Debt counselling is the process you start when debt has become unmanageable and overwhelming.

In most cases, our clients realise they are repeating the same bad financial habits; they have exhausted all other options and the only way out is to apply for debt counselling.

If you don’t have the means to meet all your debt repayments, such as your home, car, credit card, store accounts or school fees, and your expenses outweigh your income, then you are over-indebted and a good candidate for debt counselling.

  I do not know how to start thanking you for the mercy you have shown to me. This has shown me that amongst so many debt counsellors in South Africa and particularly in Johannesburg, I chose the one that is so far in Cape Town.  

Benefits of Debt Counselling:

No more stress on payday
No more getting turned away at stores
No more threats from Creditors
No more fear of being blacklisted
  • You cannot get blacklisted while undergoing debt counselling with DebtCare
  • We negotiate reduced monthly payments with your credit providers
  • We deal with all credit providers and/or debt collectors on your behalf

How does DebtCare restructure debt?

1 Debt counsellors are certified to gain access to your personal credit reports.
2 Only a debt counsellor can extend your repayment periods and lower your interest rate, resulting in lower monthly installments.
3 We will give you financial advice and assistance every step of the debt counselling process.
4 DebtCare will negotiate and deal with your frustrated creditors.

95% of our clients are Debt Free within 36-60 months.

Take a look at the example below:

Old PaymentNew payment
BondR7,000 per monthR5,500 per month
VehicleR4,000 per monthR2,800 per month
Other debt of R160,000R11,000 per monthR3,500 per month
Total:R22,000 per monthR11,800 per month

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