Debt Counselling & Debt Review Removal Specialists
Get Your Debt Under Control and Rebuild Your Credit Score
Manage your debt & rebuild your credit score with Debt365.
Stuck under debt review and ready to move forward? Debt365 Solutions helps you legally remove your debt review status and regain full financial freedom.
Free Eligibility Check
Step 1 of 2Takes about 30 seconds. No obligation.
No obligation • Confidential • NCR registered NCRDC2403
Creditor negotiation experience
We Negotiate With All Major SA Credit Providers
Banks, retailers and mobile providers you may owe. Logos shown for identification only — they do not imply any partnership with or endorsement by these companies.
Debt365 – Our Service Solutions
Our wide range of solutions we offer:
Debt Review Removal
Legally exit debt review, clear your ITC, and restore access to credit. We are a trusted debt review removal company in South Africa with national footprint.
Learn MoreDebt Counselling
Feeling overwhelmed by debt? We legally negotiate with your creditors and get you protection within 48 hours.
Learn MoreCredit Repair & Score Increase
We do credit profile assessments and clearing of adverse information, boosting your credit score.
Learn MoreVehicle Repossession Protection
Can't afford your car loan? Don't wait — legally protect your vehicle from being repossessed.
Learn MoreHome Repossession Protection
Struggling with bond repayments? We have the prevention solution to stop your house from being repossessed.
Learn MorePrescribed Debt Clearance
We assess and remove legally prescribed debt in line with South African NCA regulations.
Learn MoreCredit Life Insurance Savings
Save money with an equally competitive consolidated credit life cover on all your debt through our Insurance Partner.
Learn More
Already Under Debt Review and Want Out?
If your short-term accounts are paid up, you qualify for a Form 19 clearance certificate. If you still owe money but can now afford your instalments, a magistrate can end it with a court order. Either way, the flag only comes off your credit report through one of those two legal routes.
How We Reduce Your Debt Payments Legally
Debt Assessment
Complete financial analysis — we analyze your financial situation in full.
We Negotiate with Creditors
Our experts negotiate reduced payments on your behalf. You get monthly debt repayment relief and more funds for living expenses.
Immediate Legal Protection
You get immediate legal protection from creditor harassment and asset repossession.
Debt-Free Future & Freedom
Follow our structured plan to become completely debt-free. Clearance Certificate (Form 19) issued.
Debt Review Exit Cost & Timeline Snapshot
Direct-answer summary for debt review removal in South Africa. Final pricing depends on your case status and legal route.
Clearance Certificate
Section 71
Your short-term debts are settled and you just need the flag removed.
From R2,900
Typically 14 to 21 working days
Court-Led Removal
Section 87 / 165
You still owe money but can now afford your original instalments.
From R6,500
Typically 2 to 3 months
Numbered Legal Route
- Eligibility assessment and route qualification.
- Document pack prepared for clearance or court filing.
- Creditor, NCR, and bureau process execution.
- Final confirmation with Form 19 or court order outcome.
Pricing shown is a from-price and may vary after file assessment.
See exactly what moves a quoteWhy Debt365 is South Africa's Trusted Choice
One Affordable Payment
All your debts consolidated into a single, reduced monthly payment.
Stop Creditor Harassment
Legally end harassing phone calls and threatening letters.
Vehicle Protection
Keep your car safe from repossession with NCA legal protection.
Home Protection
Protect your home and family from bond holder repossession.
Legal Protection
Full legal protection under the National Credit Act from day one.
No Upfront Fees
All fees are regulated by the NCR and included in your payment plan.
Credit Bureaus We Work With
We update and dispute on your behalf across all major South African credit bureaus:
What Our Clients Say
Rated 5.0 from 64 Google reviews. Read them on Google
"Absolutely fantastic service. Great results, straight forward honesty. Chris was able to help me complete clearing my debt review process in the period of 2 weeks. Which is something the company I actually signed up with couldn't, or should I say wouldn't do in 2 months. The best thing I did was transfer the process to his capable hands."
"Fantastic company , always looking out for whats best for the client and not just whats good for the pockets. Reassurance is a given and the whole process feels so much more effortless. Would fully recommend Debt365 Solutions for everyone in need!!"
"Excellent service, was given feedback all the way through the process and also got after service , from the very helpful Chris Shumba."
Ready to Become Debt-Free?
Take the first step today. Our expert debt counsellors are ready to help you.
Start Your Assessment