Vastline Solutions was founded with one purpose — to make debt review accessible, transparent, and genuinely life-changing for individuals and families across South Africa.
Debt review — also known as debt counselling — is a formal, legal process introduced by the National Credit Act 34 of 2005. It is specifically designed to assist South Africans who are struggling to meet their monthly debt obligations.
When you apply for debt review, a registered debt counsellor assesses your financial situation and negotiates with your creditors on your behalf. The goal is to restructure your debt into a single, reduced monthly payment that you can actually afford — while giving you immediate legal protection from creditor action.
Once your debt is fully paid off according to the agreed plan, you receive a clearance certificate, your debt review status is removed from your credit record, and you are free to apply for credit again.
Debt review is governed by the National Credit Act and overseen by the National Credit Regulator (NCR). It gives you full legal protection from the moment you apply.
Once under debt review, creditors cannot contact you directly, take legal action against you, or repossess your assets while you maintain your payments.
Your debt counsellor negotiates with creditors to reduce interest rates and extend repayment terms, making your monthly obligations affordable.
When your debts are settled, you receive a clearance certificate and your credit record is restored — giving you a genuine fresh start.
Vastline Solutions is a South African debt review support company dedicated to connecting over-indebted individuals with professional, registered debt counselling services. We work exclusively in partnership with Creditwise Solutions, ensuring every client receives expert, legally compliant debt review support from start to finish.
To make professional debt review accessible to every South African who needs it — delivered with transparency, empathy, and a genuine commitment to financial recovery.
We are proud partners of Creditwise Solutions, a registered debt counselling firm. Our debt counsellor is Lubabalo Shepherd Silayi, registered with the National Credit Regulator.
We assist individuals and families across South Africa who are struggling with debt — whether it is credit cards, personal loans, vehicle finance, home loans, or retail accounts.
We believe debt should never define you. Our approach is personal, confidential, and focused entirely on your recovery — with no upfront costs and no hidden fees, ever.
"Debt review is not just a financial process — it is a life-changing decision. We are here to make sure you never have to face it alone."
— The Vastline Solutions team
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