WHO WE ARE

We are your trusted partner in financial freedom, offering expert debt solutions tailored to your needs. We specialise in personalised debt plans, debt consolidation, and professional debt counselling to help you regain control of your finances. With our free credit reports, you can stay informed and take the right steps towards a debt-free future.

 

At Debt Therapy, we understand the challenges of managing debt and are dedicated to guiding you every step of the way. Our compassionate team is committed to providing practical, effective strategies to reduce your debt, improve your credit score, and achieve long-term financial stability

MULTILINGUAL ASSISTANCE

Here at Debt Therapy, we are committed to providing accessible financial assistance to everyone. To better serve our clients, we offer multilingual support in English, Afrikaans, and Xhosa. Our team understands the importance of clear communication in managing debt, which is why we provide our debt plans, debt consolidation, and counselling services in your preferred language. Whether you’re looking for professional debt advice or need help understanding your credit report, we’re here to make the process as smooth as possible. By offering services in multiple languages, we aim to break down language barriers and help more people achieve financial stability. Trust Debt Therapy for expert debt solutions in English, Afrikaans, and Xhosa

DISCREET SERVICES

At Debt Therapy, we understand that dealing with debt can be a deeply personal matter, and we respect your need for privacy. Our discreet services ensure that your financial situation remains confidential, providing you with the support you need without any unnecessary exposure.

 

We offer personalised debt plans, debt counselling, and debt consolidation services with the utmost care and professionalism, allowing you to regain financial control in a safe and private environment. Your trust is important to us, and we are committed to offering a supportive, non-judgmental approach to help you achieve a debt-free future while keeping your circumstances private.

ESTABLISHED RELATIONSHIPS

At Debt Therapy, we have established strong relationships with creditors and key professionals in the debt management field, allowing us to negotiate better terms and lower repayments for our clients. Our network enables us to provide more effective solutions tailored to your unique situation, helping you reduce debt faster and more efficiently.

 

We believe in forming lasting relationships with our clients by offering ongoing support, guidance, and practical strategies. Our goal is to not only help you achieve lower monthly payments but also to get you debt-free as soon as possible. Trust Debt Therapy to stand by your side every step of the way.

REGULATED FEES

All debt counsellors’ fees are strictly governed by the National Credit Regulator (NCR) and are incorporated into your manageable debt repayment plan. Your monthly debt review payment is customised based on your financial situation and the total amount of debt you owe. The NCR permits debt counsellors to charge the following fees:

 

  • Application Fee: A one-time fee of R350 (excluding VAT).
  • Restructuring Fee: A once-off restructuring fee equivalent to your first month’s payment, capped at a maximum of R8,000 (excluding VAT) for individual applications and R9,000 (excluding VAT) for joint applications.
  • Monthly Aftercare Fee: A monthly fee of 5% (excluding VAT) of your debt review payment, with a maximum limit of R450 (excluding VAT).

EXPERT LEGAL SUPPORT

At Debt Therapy, we partner with specialist attorneys who excel in the field of debt counselling.

 

Our legal team possesses extensive expertise and a deep understanding of the National Credit Act (NCA). With a well-established network of correspondents nationwide and a commitment to staying updated on the latest legal developments, they ensure seamless legal support throughout your debt review process.

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