Debt counselling in South Africa is a legal and regulated process designed to help individuals who are over-indebted regain control of their finances. Introduced under the National Credit Act (NCA) of 2005, this process assists consumers by restructuring their debt repayments into affordable installments, while offering legal protection from creditors.

Illustration of a person holding a shield labeled 'Debt Counselling' blocking arrows labeled 'Stress,' 'Financial Pressure,' and 'Debt Overload,' symbolizing the protective benefits of debt counselling

Debt counselling offers a path to financial freedom, helping you manage your obligations while reducing stress. Discover how it can safeguard your future

Key Aspects of Debt Counselling / Debt Review

  • Assessment: A registered debt counsellor evaluates your financial situation to determine if you are over-indebted.
  • Negotiation: Your debt counsellor negotiates with creditors to reduce interest rates and extend repayment terms, consolidating debts into one manageable monthly payment.
  • Legal Protection: While under debt review, you are protected from legal action by creditors as long as you comply with the restructured payment plan.
  • Debt Clearance: Once your debts are fully paid, you will receive a clearance certificate, allowing you to rebuild your credit profile.

Benefits of Debt Counselling

  • Simplified Payments: Combine all your debts into a single, reduced monthly payment.
  • Asset Protection: Safeguard your home, vehicle, and other assets from repossession.
  • Financial Relief: Reduce stress by eliminating creditor harassment and late payment fees.

Why Choose DCGsa?

At DCGsa, we specialize in guiding South Africans through the debt counselling process with compassion and expertise. As a trusted NCR-registered debt counsellor, our goal is to help you regain financial independence and peace of mind.

How to Get Started

📞 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 detailed overview of our debt counselling services, visit our About Us page.

Take Control of Your Financial Future Today!

Debt doesn’t have to define your life. Reach out to DCGsa now for a free and confidential debt assessment. Let us help you build a secure financial future.

✨ DCGsa is here to guide you every step of the way! ✨