With the rising cost of living and interest rates biting harder each month, more South Africans are falling behind on debt repayments. But while the financial pressure is real, so is the solution — and it’s called debt review.
The problem? Most people don’t actually understand what debt review is — or they’ve heard myths that make it sound like a trap. That’s why DCGsa (Debt Counselling Group South Africa), a registered and award-winning debt counselling firm (NCRDC1560), is working hard to set the record straight.
“We’ve helped thousands of South Africans regain control of their finances through the debt review process,” says Casper le Grange, head of DCGsa. “But many people still think it means losing your car or being blacklisted for life. That’s simply not true.”
🔍 So What Is Debt Review?
In plain English, debt review is a legal process that helps over-indebted consumers reduce their monthly debt repayments. It’s regulated by the National Credit Act (NCA), which means it’s not a loan, a scam, or a form of blacklisting.
Here’s how it works:
✅ No new loan required. You’re not borrowing more money — you’re restructuring what you already owe.
✅ One affordable monthly payment. Your debt counsellor consolidates your debt into a single payment that actually fits your budget.
✅ Lower instalments, legally negotiated. We talk to all your credit providers to reduce your monthly payments — sometimes drastically.
✅ You keep your assets. As long as you stick to the plan, you keep your car, your home, and your dignity.
✅ Legal protection. Once under debt review, you’re protected by law against repossessions and harassment from creditors.
✅ A path to debt freedom. Once your payments are complete, you receive a clearance certificate, removing the debt review flag and giving you a clean slate.
💬 But Is It Right for You?
If you’re skipping payments, borrowing from friends or loan apps just to survive, or feeling overwhelmed — debt review could be your lifeline. The best part? At DCGsa, your first debt assessment is 100% free, confidential, and comes with zero pressure.
“We understand that asking for help is hard,” adds le Grange. “But choosing to get out of debt is one of the most powerful decisions you’ll ever make — for yourself and your family.”
Need help or just want to chat?
📱 WhatsApp us: 061 432 8499
🌐 Visit: www.dcgsa.co.za
No judgment. No shame. Just real help for real people.
