Counselling | Debt Counsellors SA
Counselling - Needed?
Call Debt Counsellors South Africa
TO THE WEBSITE OF DebtCounsellorsSA.com
We can reduce your monthy repayments between
40% and 60%, giving you the financial
break you so desperately need.
If you, for example, pay R10
000,00 per month towards
creditors for your home loan, vehicle
and other accounts, you can have
up to R5 000,00 extra,
which can really improve your financial
can negotiate to reduce or
waive all monthly fees on
With new industry rules, provided by creditors,
we are now allowed to REDUCE
YOUR INTEREST RATES on unsecured
loans (personal loans, credit card, store
cards, etc) TO AS LOW AS 0%,
in some cases, and secured loans (home
loan and vehicle finance), TO
AS LOW AS 7%, according to
the new DCRS (Debt Counselling Rules System)
the application form
below provided here on our
website, and return it as soon as possible,
so we can evaluate your situation OR complete
your contact information above,
and we will contact you as soon as possible.
Even if you think your situation is how
bad, we will do our best to help.
counselling is FORCED ONTO
CREDITORS by the National Credit Act,
and they cannot refuse your application,
if you make a reasonable offer, to repay
very early times, there is reference to poor
people, which has not changed over the centuries.
Debtors and creditors are mentioned
even in the Bible! The difference
however, was that creditors were much more
lenient towards debtors during Biblical times.
In Exodus 22:25 [God says] “If you lend money
to any of my people with you, who is poor,
you shall not exact interest from him; If
ever you take your neighbor’s garment in pledge,
you shall restore it to him before the sun
goes down..." The Roman Law
provided that a debtor, who failed to make
good payments to his creditors, could be “in
parti secant” (his flesh could be cut!) or
sold into slavery.
YOU NOW HAVE THE NATIONAL CREDIT ACT TO
If you are debt stressed,
don’t feel alone – millions of other consumers
in South Africa are in the same situation.
Thousand already applied for debt counselling
and there is nothing as satisfying for
a debt counsellor and his/her client,
the day we issue a Clearance Certificate
and a client can start with an excellent
new credit record and debt
free! Will you make the right
decision today, to admit you have a debt
problem and take the first step, towards
In a study, done by the NCR in 2012, it
was found that 3 out of every
5 South African consumers
were late with payments on at least one
of their debt obligations. Debt Free
Digital Magazine, September 2012 issue.
Unfortunately, your debt does not adjust
when unfortunate circumstances strike
and, even if you earn less than before,
or your expenses became more, your debt
repayments stay the same. Creditors run
businesses and their only concern is to
retrieve their money.
In most cases consumers do
not become over-indebted by just over-spending.
With the recent economy, many consumers
are retrenched, there are divorces, a
spouse dies, illness, and a lot of other
reasons you have not planned for. Nobody
applies for credit, with the deliberate
intention to never repay.
it sometimes happens that a person is
so caught up in the bad situation, when
starting to experience financial difficulty,
that he/she starts applying for more credit,
in order to repay the previous debt -
until all falls apart. Everybody is hoping
for that miracle to happen, but we are
in business since 2007 and not a single
client has won the lotto yet!! Maybe
the miracle you have been waiting for
is right here in front of you, right now
- to apply for debt counselling today!
have clients under debt counselling, over
the total spectrum of life
– from cleaners to doctors, advocates
and people you would never suspect having
financial difficulty. To have debt problems
does not make you a bad person, and it
can happen in the wink of an eye with
any of us. Your application will be handled
in total confidence.
You still stay in charge of your own finances
and, except for the stoporder/debit order,
going to the Payment Distribution Agency,
you handle and decide on the rest of your
finances. Nobody ever needs
to know you have applied for debt counselling.
SURE YOU ONLY DEAL WITH A NCR
(NATIONAL CREDIT REGULATOR) REGISTERED
DEBT COUNSELLOR – ASK FOR HIS/HER
REGISTRATION CERTIFICATE AND NCR NUMBER.DEBT
COUNSELLORS ARE NOT ALLOWED TO RECEIVE YOUR
MONTHLY PAYMENTS OR DISTRIBUTE YOUR PAYMENTS
TO YOUR CREDITORS. THERE ARE NCR
PRESCRIBED FEES, AND DEBT COUNSELLORS
ARE NOT ALLOWED TO CHARGE MORE THAN THIS.
IF IN DOUBT, SPEAK TO US OR THE NCR FOR
debt counsellors are registered since 2007,
when debt counselling in South Africa first
started, are well trained and activists
for consumer rights.
common law was heavily skewed in favour
of the creditors and not much attention
was given to the plight of the consumer.
In modern times there has been a gradual
shift from these strict rules. More attention
is presently being given to the problems
of the consumer. The prohibition of over-indebtedness
and reckless lending are intended, among
other things, to provide more protection
for consumers and to bring a balance of
power between creditors and debtors.