A guided, four-step process from your first call to a debt-free life — with expert support at every stage.
We guide you through every stage — from the first call to your clearance certificate.
We assess your full financial picture — income, expenses, and total outstanding debt — to confirm whether debt review is the right solution for you. There is no cost and no obligation.
Typically takes 30–45 minutes. Can be done over the phone.
We file your debt review application with the National Credit Regulator. From this moment, you are legally protected from creditor harassment, collection calls, and legal action.
Protection is immediate upon application. Creditors are notified within days.
Our advisors negotiate directly with all your creditors to reduce interest rates and restructure your debt into a single, manageable monthly payment that fits your income.
One payment distributed to all creditors via a registered payment distribution agency.
Once your debt is fully paid, we issue your clearance certificate. Your debt review flag is removed from your credit record and you are free to apply for credit again.
Clearance certificate issued within 2 weeks of final payment.
Book your free consultation today. An advisor will call you within 24 hours.
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