Professional Debt Counselling & Review
Debt review done properly, with clear guidance and a plan that fits your budget. Your registered Debt Counsellor will assess your situation, negotiate lower instalments with credit providers, and support you until your clearance certificate is issued.
What you can expect
Lower monthly instalments
We build a budget-based proposal and negotiate with your credit providers.
Protection during the process
Once accepted, providers deal through us while your plan is finalised and made an order of court.
One payment, clean finish
Pay a single amount via the regulated Payment Distribution Agent (PDA). When done, you receive a clearance certificate.
Deal directly with the counsellor
No call centres. You work with the counsellor throughout, from first assessment to clearance certificate.
More details on our Services page.
How it works
- Step 1
Assessment
We review income, expenses, and debts to confirm suitability.
- Step 2
Notify & propose
Credit providers are notified and we submit a reduced-instalment proposal.
- Step 3
Consent order
Terms are confirmed by court so everyone is aligned.
- Step 4
One payment
You pay one monthly amount until completion; we support you to clearance.
Is debt review right for me?
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You’re falling behind
Missed or late repayments, or you’re using new credit to pay old credit.
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You need one affordable plan
Many accounts and collection calls. You want a single payment that fits your budget.
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You want a clean finish
You’re ready to commit, finish the plan, and get a clearance certificate.
What we’ll ask from you
- Copy of your ID
- Proof of address (e.g., municipal bill, not older than 3 months)
- Latest payslip or proof of income
- Last 3 months’ bank statements
- A list of your credit providers and balances (we help you compile this)
- Any legal letters or notices you’ve received
Everything stays confidential. We explain fees upfront as per NCR guidelines before you sign anything.
What clients say
“Martie was excellent in helping us through debt review. The road was difficult, but five years later we are debt‑free. She was always available and professional. What a blessing.”
“My finances are sorted now. I even qualified for a R100 000 loan last month. Thank you for your good work and patience. God bless you.”
“I never believed in debt review until I met Martie. She treated my case like I was the only client and changed my life. I’m debt‑free now. She checked in, kept me going, and gave me hope.”
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Practical debt-review updates and answers from Martie.
Follow on Facebook Important to know
- Debt review is not a loan. It’s a legal process under the National Credit Act.
- Payments go via the regulated Payment Distribution Agent (PDA).
- Your plan is confirmed by court. You receive a clearance certificate on completion.
Ready to talk?
Start with a free credit assessment. You’ll deal directly with the counsellor.
