Get Expert Debt Relief By Reducing Your Total Debt, Monthly Installments & Reduced Interest Rates.
- Reduce your installments and interest rates
- Improve your cashflow
- Become debt free in no time
- Reduced interest rates
- Lower your debt repayments
- Stop interest & charges soaring
- Free debt counselling, debt adjusting and providing of credit information services are available to customers at SA Debt Help
Why are we different?
No matter how large or small your debt problem is, we can help you find the best solution to suit your circumstances. It just takes one phone call. So what are you waiting for? Call one of our experts on 010 593 0919, and we’ll gladly help.
We understand
We understand how stressful debt can be, so all our support is completely confidential, with no obligation.
Our Goal
Our specialist team is committed to helping people and businesses regain control of their finances by providing a simple, high-quality, friendly service at every opportunity.
Our Promise
Here at SA Debt Help, we offer non-judgemental, compassionate and straight-talking support to help find the best solution for you, as we have done for 1000’s of customers across South Africa.
ABOUT US
We assist thousands of clients with debt relief, saving them thousands per month.
We are committed to helping South Africans reduce their debt by up to 50%. With a personalized approach, we work with you to cut down your monthly payments, manage interest rates, and get your financial life back on track. Join us on the journey to financial freedom!
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Debt Review
Protect assets and avoid legal action from creditors.
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Debt Counselling
Get a personalised plan to become debt-free.
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Debt Consolidation
Restructure debt with no loan debt consolidation.
WHAT WE DO
What debt are you most concerned about?
Credit Cards
Credit from the bank that allows you to pay for goods, typically with a pre agreed limit.
Unsecure Loans
Money that you borrow without any collateral - eligibility is usually based on on your credit score.
Store Cards
Credit that you have to pay for goods with individual high street shops.
Overdraft
Money that you essentially borrow from your bank, usually within an agreed limit.
Credit Cards
Credit from the bank that allows you to pay for goods, typically with a pre agreed limit.
Unsecure Loans
Money that you borrow without any collateral - eligibility is usually based on on your credit score.
Store Cards
Credit that you have to pay for goods with individual high street shops.
Overdraft
Money that you essentially borrow from your bank, usually within an agreed limit.
Personal Loans
Money that you have borrowed and owe to friends or family.
Vehicle Finance
Monthly payments for your car loan or lease, covering the cost of your vehicle over time.
Home Loans
Monthly repayments for borrowing money to purchase or refinance your home.
Catalogues
Credit you may have taken out from shopping, where payments are spread over a det amount of time.
Personal Loans
Money that you have borrowed and owe to friends or family.
Utility Bills
Bills that you pay each month for gas, electricity and water.
Business Debt
Non-personal debt or credit you have taken out on a company card or account.
Catalogues
Credit you may have taken out from shopping, where payments are spread over a det amount of time.
OUR DEBT REVIEW PROCESS
Our process to becoming Debt-Free is simple.
Becoming debt-free doesn’t have to be complicated. We streamline the process by assessing your debt, negotiating with creditors, and guiding you toward financial relief.Becoming debt-free doesn’t have to be complicated. We streamline the process by assessing your debt, negotiating with creditors, and guiding you toward financial relief.
Personalized Debt
Analysis
We review your debt situation in detail to understand your financial challenges and create a custom plan that suits your needs.
Negotiation with
Creditors
Our specialists work with your creditors to secure lower payments, aiming to cut your debt.
Relieving financial stress.
Structured Repayment
& Support
With a manageable plan in place, we provide guidance and resources to help you stay on track and achieve your goal of living debt-free.
Don’t let debt control your life any longer.
Let us restructure your debt into a single, manageable monthly payment so that you can rebuild your financial future.Â

We're committed to helping you
Reach out to SA Debt Help today, and let our team guide you through your debt reduction journey. Every inquiry is treated with care and confidentiality—your path to a debt-free future starts here.
Don’t let debt control your life any longer.
Let us restructure your debt into a single, manageable monthly payment so that you can rebuild your financial future.Â
- Reduce your monthly payments
- Stop harassment from creditors
- No more stress & anxiety
SA Debt Help Frequently Asked Questions
The debt review process was created under the National Credit Act (No 34 of 2005) and is designed to assist you when you struggling to pay your debts by restructuring your monthly financial obligations into one reduced monthly installment.
We provide you and your assets with immediate protection once we have received your application. You are registered with the National Credit Regulator and your credit providers are notified that you are protected under the debt review process.
No, while you are under debt review and continue to pay your restructured installment, creditor providers are prohibited from taking further legal action or attaching your assets.
No, debt review is designed to help consumers who are overindebted and prevents you taking on additional credit until you are able to meet your financial commitments. We are here to assist you in achieving financial freedom, not to compound your problems.
If you are struggling to pay your financial commitments you are probably already blacklisted from obtaining future credit. The debt review process enables you to repay your finances according to the amount you can afford. Once you have repaid your credit providers in full, we issue you a clearance certificate.Â
No, unfortunately debt review requires a regular income to pay your credit providers under the terms of the payment plan. If you are unemployed and unable to find new employment debt review is not be the best solution for you.
Once you apply for Debt Review we update your status with the NCR who notifies the Credit Bureaus to reflect that you are under debt review. Once you have completed the Debt Review process by paying off your debts, we issue you a clearance certificate. The Credit Bureaus then clear your credit record.
Yes absolutely, part of the debt restructuring process is to renegotiate your interest rates and fees where possible. We have excellent relationships with all major credit providers and negotiate with them on your behalf to get the best deal for you.
The period of the Debt Review varies according to how quickly you can pay off all your finances. The time frame varies from a few months up until 60 months. Alternatively if you are no longer overindebted and able to resume normal repayments we can apply for an order rescinding your debt review.Â