Debt Review Counselling Near Me in South Africa
Professional Debt Counselling Services by Debt365
Struggling with overwhelming debt, missed payments, or constant creditor pressure? Our Debt Review Counselling offers a structured, legally regulated way to regain control of your finances.
What is Debt Review Counselling?
Debt Counselling (also known as Debt Review) is a legal debt relief process regulated by the National Credit Act (NCA). It assists over-indebted consumers by:
Once under debt review, our Debt365 registered Debt Counsellor works on your behalf to ensure your obligations are affordable, sustainable, and legally compliant.
Who Qualifies?
Do You Need Debt Counselling?
Click on any statements that apply to your situation:
Click on any statements above that apply to you.
Key Benefits of Debt Review
Legal Protection
- • Protection from legal action by creditors
- • Asset repossession prevention (vehicles, property)
- • Freedom from debt collector harassment
Reduced Monthly Payments
- • Lower monthly instalments
- • Extended repayment terms
- • Improved affordability
Structured Repayment Plan
- • One consolidated monthly payment
- • Clear repayment roadmap
- • Professional financial guidance
Peace of Mind
- • No more collection calls
- • No more legal threats
- • No more financial uncertainty
The Debt Review Process
Free Debt Assessment
Debt365 evaluates your income, expenses, and outstanding debts to determine if you qualify.
Application for Debt Review
We submit your application (Form 17.1) and notify all creditors and credit bureaus within 5 business days.
Negotiation with Creditors
We restructure your debt and reduce your monthly obligations through expert negotiation.
Court Order / Legal Process
Your repayment plan is formalised and made legally binding through the courts.
Monthly Payments
You pay a single, affordable instalment through a Payment Distribution Agency (PDA).
The Assessment Process
Form 17.1 – Application Notification
Your debt counsellor informs all credit providers and credit bureaus within 5 business days.
Certificate of Balance (COB)
Credit providers must respond with account details within 5 business days.
Affordability Assessment
Assessment in accordance with NCA regulations to determine over-indebtedness.
Form 17.2 – Assessment Outcome
Within 30 days, all parties are notified of the assessment outcome.
Common Questions
Is Debt Review a good idea?
Yes — if you are over-indebted and need legal protection. However, it should be part of a broader financial strategy, not a permanent state.
Can I still get credit under debt review?
No. You are restricted from taking new credit until you exit the process.
How long does debt review last?
Typically 3 to 5 years, unless exited early through legal removal.
Can I cancel debt review?
Yes — but only through a legal process. This is where our Debt Review Removal service becomes critical.
Why Choose Debt365?
Our Expertise
Experienced Debt Counselors ready to guide you throughout your journey. Should you decide to exit, we handle your Debt Review Removal too.
Fast, Transparent Process
No hidden fees, clear timelines, ongoing support from start to finish.
Nationwide Service
We assist clients across Johannesburg, Pretoria, Durban, Cape Town, and all provinces.
Results-Driven Approach
We focus on getting you stable, getting you out when ready, and rebuilding your credit profile.
Take Control of Your Financial Future
Don't stay trapped in debt or confusion. We help you restructure, recover, and rebuild.