REDUCE YOUR DEBT TO ZERO

In an increasingly uncertain financial world, consumers deserve to be fully informed about the service they are signing up for, especially when it comes to Debt Review.

At Debt Therapy, we offer a 100% Money-Back Guarantee to consumers who sign up for Debt Review or Debt Review Removal if we have not resolved your situation as the law requires, subject to Terms & Conditions.

Why We Offer This Guarantee

As one of the leading pioneers since the inception of Debt Review in 2007 under the National Credit Act, we have seen every possible outcome within the industry and the full evolution of Debt Review in South Africa, the successes, the challenges, and unfortunately, the instances where consumers were not properly informed. This experience highlighted the need to restore transparency, accountability, compliance, proper informed consent and public trust within the public arena.

Our 100% Money-Back Guarantee applies if:

• A consumer has been misled, or
• The Debt Review process was not conducted in accordance with the National Credit Regulator (NCR) guidelines, or
• The process and its limitations were not fully and clearly explained to the consumer.

(T’s & C’s apply)

Reduced Legal Costs & Creditor Compliance

We have also partnered with D.E. Bendeman & Associates to ensure:

• Reduced legal costs, and
• That all creditors are paid strictly in line with the Task Team Agreement (TTA) guidelines.

All our calls are recorded, and full records are retained. (T’s & C’s apply)

Consumer Transparency & Compliance

To protect both the consumer and the integrity of the process:

• Consumers are required to complete their application honestly and accurately.
• A credit bureau report will be obtained during the application phase at our cost.
• Consumers will be fully informed of the entire Debt Review process, including its limitations explained upfront.
• All forms of communication including calls, emails, WhatsApp messages, and written correspondence are recorded and retained for accountability and verification purposes and safely secured 100% with POPIA (Protection of Personal Information Act).

What is the TTA?

The Task Team Agreement (TTA) is an industry agreement / framework signed by:

• The Banking Association of South Africa (BASA)
• Major retailers
• Vehicle finance houses
• CASA (Credit Association of South Africa)
• And various other credit providers

This was endorsed by the NCR In essence to ensure the operational side of the debt review process is workable, the TTA establishes a framework of agreed processes between Debt Counsellors and credit providers to ensure fairness, consistency, and consumer protection.

⚠ Why This Matters

Too many consumers:

• Don’t fully understand the legal process
• Aren’t told about limitations
• Are misled about timelines
• Pay unnecessary legal costs

We believe informed consent is non-negotiable.

🔴 TAKE CONTROL TODAY

If you are:

• Struggling with repayments
• Facing repossession risk
• Overwhelmed by creditors
• Unsure if your current Debt Review was done correctly

You deserve clarity.