Debt Therapy Debt Therapy
Fill out the form below for a FREE Initial Assessment

Debt Counselling is the first step towards financial freedom. So what will it do for you?

  • More cash available
  • Protect your house and car
  • Easier creditor negotiations
  • You Have access to financial experts
  • One Reduced, affordable instalment for all your creditors
  • The quickest way to regain your financial freedom without prejudicing your credit record.
  • You regain financial control

Our consultants are waiting to help solve your financial woes. There are no initial costs so take that first step towards financial freedom and contact us today.


The National Credit Regulator is the Governing Body established to monitor the Credit Industry and protect all consumers in South Africa.

One of its tasks is to regulate the Debt Counselling Industry to ensure fairness to all consumers by enforcing strict guidelines and the monitoring of fees that need to be adhered to, allowing you peace of mind, knowing that you are fully protected by the National Credit Act.

5 Easy steps to financial freedom
  • Fill in the free application form.
  • Your creditors are notified. You are now protected from legal action.
  • Initial Debt Repayment plan is prepared.
  • Debt repayment plan is negotiated with creditors.
  • Application for debt repayment plan to be made a court order.
  • Store Cards
  • Credit Cards
  • Personal Loans
  • Bank Overdrafts
  • Hire Purchases
  • Bonds
  • Free Advice
  • Quick and Easy
  • No interviews in person
  • In complete confidence. your employer or work colleagues will not find out

Quick FAQ - Debt Counselling

Does it make a difference if I own my home or not?

No, it does not make a difference, your bond will also be included in the debt review.

How long will it take before my debt is cleared?

This depends on numerous factors and can only be determined once we have all the facts at hand (the total amount available for your creditors, total debt outstanding and agreed negotiated rates with your creditors). You will get a full breakdown when everything is processed.

How will this affect my bond?

In the majority of cases the Banks will accept a reasonable offer, usually around 80% of your bond, but in some cases we will keep normal instalments on your bond. We will certainly make sure your bond is treated as the highest priority debt in order to make sure your home is secure.

If I am married COP must my spouse also be placed under Debt Review?

Yes, if you are married COP it means that you legally share all assets as well as debts with your partner. Therefore, by law, both of you must go under debt review.

When can I start on the Debt Counselling Plan?

You may join the plan immediately subject to completing the application, submitting all relevant documentation and filling the qualification requirements.

Will creditors continue pursuing me for payments?

Your creditors shall according to National Credit Act stop pursuing you when you have been placed under debt review. Sometimes it can take a bit of time for creditors to update all their departments that you are under review – should they contact you, let them know that we are your debt counsellors and that we are acting on your behalf. You should forward any letters for us to deal with on your behalf.

Will I have to attend an interview?

No. We treat our clients with trust and respect. You will not have to take time off work to visit us and no one will visit you. We will only contact you when it is necessary.

Will the payment plan cover all my debts?

Yes, we will deal with all your unsecured and secured loans. When we analyse your finances, we will make appropriate allowances for you to be able to afford your day-to-day expenses before we calculate how much you can afford to pay your creditors.

Find Us

Get In Touch

Call Us: 086-11-11-863

Debt Therapy (Pty) Ltd
Unit 9
1st Floor
Time business park
37 Blaauwberg Road
Cape Town
7441 Debt Therapy