Company Profile

The national credit Act came into being as a legal tool to provide a solution to millions of South Africans who are swimming under the heavy current of debt. It provides for an enabling environment for a development of a repayment plan, debt restructuring, debt counselling, reduced payments and negotiations that are acceptable to the credit providers.

To qualify for debt Counselling or debt mediation, you need to be over -indebted as defined by the NCA. You must be unable to meet your financial obligations on time. Your income may be over or approximate total expenses such that what's left cant satisfy the basic needs of a client. This financial circumstance means that you are in a position of not honoring your monthly installments.

Debt Review

Governed by the National Credit Act, debt review is a formal program that seeks to bring debt relieve to millions of financially stressed consumers. The debt review program is aimed at consumers who may have assets to protect, such as house, car, furniture, collateral loans etc. A single debit amount will arranged with a client and distributed on a monthly basis.

Q.Who may Qualify?

Any consumer who is unable to afford a full monthly installments for assets purchased through credit.

Q.How does Debt review help me?

Protects your assets from being repossessed due to your unaffordability provided no prior legal action has been taken by your credit providers to repossess. Our qualified debt counselors then structure a payment plan with creditors, about 60% of original monthly installments. Thereby significantly reducing debt pressure and creating a positive cash flow for the consumer.

Q.Can I access more credit while under debt review?

No, As soon as a consumer is registered under this program, we then list client on ITC which immediately prohibits creditors from granting credit until all debt is paid in full.

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