How does a debt review help you?

A debt review helps clients restructure or reduce their debt payments to their creditors. You will still pay off your debt but at lower installments.

Can your car or home get repossessed?

When you’re under debt review you’re given a certain amount of protection. Creditors are not allowed to repossess assets as long as they form part of your review. If you're following the advice of the debt counsellor and keeping up with payments creditors have no valid reasons to repossess your assets.

What happens after the debts are paid off?

Once all your debt is paid off the debt counsellor notifies the National Credit Regulator (NCR). The email specifies the details of your case and the NCR must remove your name from its registry & the credit bureau lists.

Will your debt review affect your spouse’s credit?

Quite a few factors determine how partners’ finances affect each other: -If the marriage happens after the initial debt review your spouse’s credit shouldn’t be affected. -If you’re married in community of property you legally share all assets and debt. If you're under a debt review your spouse will be too.

Will the debt review affect your home’s bond?

A debt review doesn’t affect your bond. Your bond is included in the list of creditors you need to pay.

How long does it take for the debt to be cleared?

Your debt review period depends on a number of factors: -Your income -The number of creditors you have -The total outstanding debt -The interest rates on the accounts -The percentage of rates increases When you consult with debt counsellors you’ll get a full breakdown of the process. You’ll be told what will be paid to whom and the estimated time before the process is completed.

Will you be accepted for new credit if you’re on the NCR registry?

No new credit will be approved if you're listed on the NCR registry. You’re struggling to repay current debt. No new creditor will accept the risk of not receiving payments.

Will creditors still pursue you for payments?

When under debt review your debt counsellor takes over much of the administration. But you’re bound to still receive communication from your creditors. Even though they’re informed of your review it may take time to update their systems with your repayment plan. If they keep contacting you simply inform them you’re working with a debt counsellor and when payment is scheduled.

What happens if you can't pay the debt due to an emergency or death?

When emergencies arise the debt counsellor must inform the creditors of possible problems with payments. New arrangements need to be made. All parties—the client, debt counsellor and creditor—must agree to the new terms.

1. You never pay to use Snupit. It’s free and you get to compare multiple quotes from the best debt counsellors in Cape Town. 2. Professionals listed on the Snupit platform are experienced, friendly and background-checked. Our numbers say it all! Of the 65 reviews for debt counsellors, our customers have had a positive and a rewarding experience with 64 debt counselling projects. 3. Choose from 4423 trusted and high quality professionals in Cape Town who can assist you with just about anything you need done. 4. Don’t overpay for any service, hire a local expert from our talent pool of 32 debt counsellors in Cape Town who are skilled and vetted.

Top Debt Counsellors in Cape Town

Debtseo

Cape Town City Centre, Cape Town

to assist over indebted people become debt free. We negotiate with your creditors to pay a reduced instalment with a lower interest rate. This will leave you with more money in your pocket for food, traveling and school fees. No more harass ...show more

4.8

4 reviews

by SHAKEEL, 061****618

EXCELLENT SERVICE FROM YOU GUYS

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Debt Eezy

Cape Town

Your Debt & Legal Solution. Founded in 2012 by a dedicated team, Debt Eezy is committed to driving transformation within the Debt Review industry, with our founders leading the way. With over a decade of experience, we take pride in delive ...show more

4.9

47 reviews

by Jean, 084****057

Great service, very trustworthy walked with through everything step by step

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Debtless

Claremont, Cape Town

Less is More. Registered with NCR, we assist over indebted consumer by reducing their monthly instalments and interest rates by directly engaging and negotiating with their credit providers. Lower monthly repayments Lower interest Legal ...show more

2 reviews

by James, 082****502

Great Service

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Debt SA

Cape Town

"LET US FREE YOU! When we work together, we can help ease your financial stress from day 1. Stop struggling with the debt spiral, work with us to free your finances!". Sandton Debt Counselling is a top 10 debt review nominee. Our head debt co ...show more

1 review

by Dorren, 011****854

Great Debt Counselling company, they helped me and went out of their way! Candice, the debt counselor gives quick feedback on any query and is always friendly. I recommend this company to anyone!

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Credit Matters

Cape Town

Your credit matters to us!. Credit Matters is one of the largest, national debt counselling businesses in South Africa. We started operating in July 2007 after the National Credit Act came into existence. Amongst other things, provision is ma ...show more

1 review

by Abdus, 068****712

Excellent service debt review really helped me. Thank you

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Your Debt Friend

Cape Town City Centre, Cape Town

In the spirit of good service. To admit you need help is to declare that you are wiser now than before. Debt Counselling is a process of negotiations with your credit providers on your behalf for lower, more affordable monthly repayments that ...show more

0.0

0 reviews

Have you used this business? Write Review

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Debt Counseling Group South Africa

Cape Town

Debt Problems? Call us today for affordable assistance! Consolidate your debt now. Debt Problems? You have legal rights and we can Help! Over-indebtedness largely results from a change in financial circumstances, caused by reduced income or ...show more

2 reviews

by Mr, 080****289

They really do help and at an affordable rate, all other places I went to see wanted to ask so much from me for fees. I am very happy by DCGsa.

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Rossouw Debt Counsellors

Cape Town

We go the extra mile to ensure a smooth, stress-free journey to debt freedom. Take charge and restructure your debt today!. Rossouw Debt Counsellors (Pty) Ltd is a proudly South African company, providing expert assistance to over-indebted co ...show more

0.0

0 reviews

Have you used this business? Write Review

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National Debt Advisors

Cape Town

At National Debt Advisors, We Protect You and Your Valuable Assets. We are a registered debt counselling firm, and will protect you and your possessions from credit providers and debt collectors, harassing you and threatening to take away yo ...show more

4.4

5 reviews

by David, 061****045

I would like to thank National Debt Advisors (NDA) for their help in my time of need. They couldn’t have come at a better time. Thank you for putting me 1st and showing me a way out of this financial trouble.

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Royal Debt Solutions

Cape Town

ON THE ROAD TO FINANCIAL FREEDOM. Royal Debt Solutions specializes in repairing negative credit records, in order to create the opportunity for consumers to remove barriers to credit, schooling, education and housing for those who can afford ...show more

0.0

0 reviews

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Quick Consolidation Loans

Cape Town City Centre, Cape Town

Simple. Quick. Consolidated. QUICK CONSOLIDATION LOANS CAN HELP YOU BY: -DRASTICALLY REDUCING YOUR DEBT REPAYMENTS -PROTECTING YOU FROM LEGAL ACTION -PREVENTING YOU FROM BEING BLACKLISTED -ENSURING YOU ONLY MAKE ONE AFFORDAB ...show more

0.0

0 reviews

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Financial Debt Relief

Rylands, Cape Town

Debt Relief and Legal Protection.Save more by paying less!. Debt counselling is a structured process that helps individuals struggling with debt to create a manageable repayment plan and potentially reduce their monthly payments. It involves ...show more

2 reviews

by Mark, 084****083

I was at the edge of loosing my home and they assisted me and saved me thanks so much.

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ZAQ Consultants And Actuaries

De Waterkant, Cape Town

Finance Made Simple. ZAQ is a financial services group that helps clients understand and solve complex financial problems. We do this by providing consulting services or by finding the right products for our clients. ZAQ employs a diverse tea ...show more

0.0

0 reviews

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Meerkat

Pinelands, Cape Town

Meerkat is a new generation financial services business committed to making a real difference in the financial lives of our customers, and fast! Our vision is to create a world where everyone can take back financial control through accessib ...show more

0.0

0 reviews

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RNB Debt Management

Cape Town

RNB Debt Management provides professional debt review services in accordance to the National Credit Act [NCA] to assist individuals and families across South Africa who finds themselves trapped in debt. We are registered with the National C ...show more

0.0

0 reviews

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Frequently Asked Questions

Do you feel stressed about mounting debt? Guess what? You don’t have to handle it on your own. South Africa has many certified debt counsellors. They know exactly what you need to manage your debt. And with Snupit’s review feature you can find one that offers excellent customer service. With them you’ll feel comfortable talking about your personal finances.

How does a debt review help you?
A debt review helps clients restructure or reduce their debt payments to their creditors. You will still pay off your debt but at lower installments.
Can your car or home get repossessed?
When you’re under debt review you’re given a certain amount of protection. Creditors are not allowed to repossess assets as long as they form part of your review. If you're following the advice of the debt counsellor and keeping up with payments creditors have no valid reasons to repossess your assets.
What happens after the debts are paid off?
Once all your debt is paid off the debt counsellor notifies the National Credit Regulator (NCR). The email specifies the details of your case and the NCR must remove your name from its registry & the credit bureau lists.
Will your debt review affect your spouse’s credit?
Quite a few factors determine how partners’ finances affect each other:

- If the marriage happens after the initial debt review your spouse’s credit shouldn’t be affected.

- If you’re married in community of property you legally share all assets and debt. If you're under a debt review your spouse will be too.
Will the debt review affect your home’s bond?
A debt review doesn’t affect your bond. Your bond is included in the list of creditors you need to pay.
How long does it take for the debt to be cleared?
Your debt review period depends on a number of factors:

- Your income
- The number of creditors you have
- The total outstanding debt
- The interest rates on the accounts
- The percentage of rates increases

When you consult with debt counsellors you’ll get a full breakdown of the process. You’ll be told what will be paid to whom and the estimated time before the process is completed.
Will you be accepted for new credit if you’re on the NCR registry?
No new credit will be approved if you're listed on the NCR registry. You’re struggling to repay current debt. No new creditor will accept the risk of not receiving payments.
Will creditors still pursue you for payments?
When under debt review your debt counsellor takes over much of the administration. But you’re bound to still receive communication from your creditors.

Even though they’re informed of your review it may take time to update their systems with your repayment plan. If they keep contacting you simply inform them you’re working with a debt counsellor and when payment is scheduled.
What happens if you can't pay the debt due to an emergency or death?
When emergencies arise the debt counsellor must inform the creditors of possible problems with payments. New arrangements need to be made. All parties—the client, debt counsellor and creditor—must agree to the new terms.
Why Snupit?
1. You never pay to use Snupit. It’s free and you get to compare multiple quotes from the best debt counsellors in Cape Town.

2. Professionals listed on the Snupit platform are experienced, friendly and background-checked. Our numbers say it all! Of the 65 reviews for debt counsellors, our customers have had a positive and a rewarding experience with 64 debt counselling projects.

3. Choose from 4423 trusted and high quality professionals in Cape Town who can assist you with just about anything you need done.

4. Don’t overpay for any service, hire a local expert from our talent pool of 32 debt counsellors in Cape Town who are skilled and vetted.

Need Debt Counsellors in Cape Town?

65 Reviews for debt counsellors
64 Positive Reviews
Recently hired Pros have been rated * 4.8/5 from 65 Reviews
Hire Cape Town Pros for debt counsellors today

Price Estimate for debt counsellors in Cape Town

Application fees: R50 :
Service fees (can be paid in monthly instalments): R1 000 : R6 000

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Top Debt Counsellors in Cape Town

How does a debt review help you?

Can your car or home get repossessed?

What happens after the debts are paid off?

Will your debt review affect your spouse’s credit?

Will the debt review affect your home’s bond?

How long does it take for the debt to be cleared?

Will you be accepted for new credit if you’re on the NCR registry?

Will creditors still pursue you for payments?

What happens if you can't pay the debt due to an emergency or death?

Why Snupit?

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