Debt counselling is a legal solution for individuals who are over-indebted and struggling to meet their financial obligations. To determine if you qualify, you need to meet specific criteria outlined in the National Credit Act.

Are you eligible for debt counselling? Let DCGsa help you find out with a free, obligation-free assessment tailored to your financial situation.
Criteria for Debt Counselling Qualification
- Over-Indebtedness:
- You must be declared over-indebted by a debt counsellor who has done a full financial assessment.
- Consistent Income:
- You need a reliable source of income to commit to a restructured repayment plan. This can include a weekly, biweekly or monthly salary, income such as rental income, retirement fund income (not SASSA) or other regular income. If you earn commission or run your own business, more details will be considered to get to your average income and this will be used in your assessment.
- Legal Credit Agreements:
- Your debts must fall under regulated credit agreements, such as personal loans, credit cards, store accounts, home loans or vehicle finance. We cannot normally include debt where legal action has already taken place.
Common Signs That You Qualify
- You’re using credit to pay for basic living expenses.
- You’ve received default notices from creditors.
- You’re overwhelmed by calls from debt collectors.
- Your monthly debt repayments leave you with little or no money to cover your household needs.
What Happens After You Qualify?
Once you qualify, a registered debt counsellor will guide you through the process, including negotiating with your creditors, restructuring your payments, and offering legal protection.
Take the First Step with DCGsa – Registered Debt Counsellor
📞 Call us: 086 100 1047
📧 Email us: help@dcgsa.co.za💬 WhatsApp us: 061 432 8499
▶️ Watch our videos on YouTube: DCGsa Debt Counselling Group
For a free, confidential assessment to see if you qualify, read – Understanding Debt Review Benefits