Welcome to The National Debt Review Center

Get started today and a Registered Debt Counsellor will contact you within an hour and explain the debt review process and see if it will be right for you.

Apply Online

Complete our free online debt assessment form to provide us with your information or request a call back.

We Assess & Restructure

A registered debt counsellor will review your application and evaluate whether you are or not over - indebted.

You Become Debt Free

Under the protection and help of our program, you will now be able to comfortably pay your debt.

Here is the first thing you should know: You’re not alone...

We understand the high degree to which our clients depend on us to do whats right for them and we believe that we are legally and morally bound to keep their needs first.

The Benefits Of Debt Review

  • 100% Regulated by the NCR
  • You will not receive any calls or threats from creditors
  • One affordable monthly installment
  • Your name will be cleared from blacklisting
  • No more stress on paydays because you will now be able to provide for your family’s vital living expenses
  • Creditors cannot blacklist you while you are still under debt review.
  • Reduction on interest rates
  • Your assets will be protected from repossession by credit providers.
  • We deal with all credit providers and/or debt collectors on your behalf

Frequently Asked Questions

Most frequent questions and answers about debt counselling or debt review

What is Debt Counselling ?

The purpose of debt review is to assist an over – indebted consumer who is experiencing difficulties in meeting all his/her credit obligations in a timely manner.  The debt counsellor will assess the financial position and life style of the consumer and make certain recommendations.

The consumer needs to understand that this is a voluntary and a consensual process which will result in a tribunal or a magistrates court, granting an order to restructure the consumer’s financial obligations.

The success of the process depends primarily on the willingness of the consumer to stick to the rearrangement plan and to not inure any more debt by entering into any further credit agreements.

It is important that the consumer understands that debt counselling does not mean that he/she will not need to repay what is owed to the creditor or take the program as a payment holiday.

What is over-indebtedness ?

A consumer is over-indebted if he/she cannot service his/her debts in a timely manner as agreed with credit providers.

The following are some of the indicators of over-indebtedness:

  • You borrow money to pay other debts;
  • You use your credit card and overdraft facilities to pay debts, buy food and other necessities;
  • You skip payments on some accounts in order to pay others;
  • You receive letters of demand and summonses from your credit providers and/or lawyers;
  • you have judgments against you.

Who can apply for debt counselling?

Consumers who are struggling to meet their monthly debt obligations qualify to apply for debt counselling. These consumers should have a distributeble income, which will be used to offer reduced payments to their credit providers. Consumers married in community of property must jointly apply for debt counselling.


Yes, there are debt counselling fees and legal fees applicable to the debt counselling program. The NCR debt counselling fee guideline is obtainable from this link FEE STRUCTURE alternatively by calling the National Credit Regulator contact center on 0860 627 627

How long does debt review last ?

The period of debt review varies according to how quickly you can pay off all your finances. The time frame varies from few months up to 60 months for unsecured debt. 

Will I be able to find new employment if I am under debt review ?

Yes you will, but some agencies will not assist you but these will be more restricted to companies in the financial industry.

It is important to know that many financial companies have staff members who are under financial pressure and do not object to their staff members being under debt review.

If you are FAIS accredited, you will not be able to sequestrate your estate, however debt review is a safe option to avoid judgements as these will also be detrimental to those who are FAIS accredited.  

Will I be able to rent property if I am under debt review ?

Yes you will be able to enter into lease agreements but some agencies will not approve as they have a strict application process.

Should you wish to enter into a lease contract, you can contact us and we will provide you with a letter confirming that you are under debt review and that your payments are up to date and also confirm the amount that is available from your surplus.


Fill in your details below and we will give you a call for a free, no obligation debt assessment.

Customers reviews

"We would like to express our thanks for the work you have done for us over the past years. The expertise and attention to detail with which you have handled our financial affairs could not be faulted. Particularly reassuring to us is our feeling of certainty in the absolute integrity of your dealings with us. Your continual advice has saved us significant amounts of money. May you prosper, along with your clients.”
“Passion, knowledge and a genuine interest in achieving the best for clients is what makes a truly professional Debt Counsellor. Siba had this and more. His dedication to clients, business excellence and education sets him apart and I would highly recommend him to anyone wanting to achieve better financial outcomes.”
“I am absolutely delighted with your service. It is really refreshing to work with a Debt Counsellor who is truly interested in their client’s needs, circumstances and preferences. What really impressed me was the way you took the time to get a feeling for where I was at, your depth of knowledge, lateral thinking and your common sense approach. Your professional, ethical and caring demeanour elicits my trust and respect and I gladly recommend your services whenever possible.”