Debt Review in Ekurhuleni
From Kempton Park to Springs, Gauteng Debt Counselling helps East Rand households get their debt under control. One affordable monthly payment, legal protection from new action by creditors, and the same small team from your first call to your clearance certificate.
★ Debt Review Awards: Top 5 Large Debt Counsellors 2025 · Top 10 Medium Debt Counsellors 2026
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Quick answer: Debt review is a legal process under the National Credit Act. A registered debt counsellor works out what you can afford, negotiates lower instalments and interest with your credit providers, and has the plan made a court order. If you live anywhere in the City of Ekurhuleni, you can start with a free assessment by phone, WhatsApp or our online form, without travelling.
East Rand debt review, handled remotely
Our office is in Pretoria, but your file is handled exactly the same way as if we were next door. Your application goes to your credit providers and the credit bureaus electronically, your monthly payment runs by debit order through an NCR-registered payment distribution agency, and your plan is made an order of the magistrate’s court for your area. We prepare that application for you.
Many East Rand clients work shifts or long hours, so we fit around you: send us your documents on WhatsApp after work, and we call back at a time that suits you.
Areas we serve in Ekurhuleni
- Kempton Park, Tembisa and Edenvale
- Benoni, Daveyton and Etwatwa
- Boksburg, Vosloorus and Bedfordview
- Germiston, Katlehong and Thokoza
- Alberton and surrounds
- Springs, Brakpan and Tsakane
- Nigel and Duduza
Your City of Ekurhuleni account and debt review
Rates, water and electricity accounts with the City of Ekurhuleni are not credit agreements under the National Credit Act, so they cannot be included in debt review. We build them into your budget as essential expenses, so the debt review payment we agree is one you can keep up with alongside your municipal bill.
Also see debt review in Johannesburg and Pretoria and Tshwane, or all areas we serve.
How debt review works
Five steps, usually over 3 to 5 years. We handle the paperwork, the negotiations and the court application.
1. Assess
A free, no-obligation look at your income, living costs and debt, to see whether you are over-indebted.
2. Protect
We notify your credit providers and the credit bureaus. From then on they may not start new legal action on the accounts included.
3. Restructure
We negotiate lower instalments and interest with each credit provider, so the total fits your budget.
4. Order
Your restructured plan is made an order of the magistrate’s court, or confirmed by the National Consumer Tribunal.
5. Clear
You pay one amount a month through an NCR-registered payment distribution agency until you receive your clearance certificate.
Timing matters: if a credit provider has already sent you a Section 129 notice on an account, that account can no longer be included in debt review. Contact us as soon as you start falling behind, not when the summons arrives.
What debt review costs
Debt counselling fees are capped by law, and your first conversation with us costs nothing.
| Your first assessment | Free, no obligation |
| Application fee | R50, once-off |
| Restructuring fee | Your first restructured instalment, capped at R8,000 (R9,000 for a joint application by spouses married in community of property) |
| Aftercare fee | 5% of your monthly instalment, capped at R450 a month |
Fees are set by the National Credit Regulator and exclude VAT. Payment distribution agency fees and any legal costs are separate, and we explain every amount in writing before you sign anything.
Frequently asked questions
Do I have to travel to your Pretoria office?
No. The whole process works by phone, WhatsApp and email, from your free assessment to your clearance certificate. You are welcome to visit our office in Strubenkop, Pretoria during office hours if you prefer to meet face to face.
Which court makes my plan an order?
Your restructured plan is made an order of the magistrate’s court for the area where you live, or confirmed by the National Consumer Tribunal. We prepare and handle the application for you, and in most cases you do not need to attend.
Can debt review stop my car or house being repossessed?
For agreements included in your debt review, credit providers may not start new legal action while you keep to your plan, provided you apply before they send you a Section 129 notice on that account. The earlier you contact us, the more we can protect.
How long does debt review take?
Most plans run for 3 to 5 years, depending on how much you owe and what you can afford each month.
Will my employer find out?
Debt review is never published and we do not contact your employer. A debt review flag does appear on your credit report, so anyone who runs a credit check with your consent will see it until you are cleared.
Ready to find out where you stand?
Tell us about your situation. We will assess it for free and explain your options, with no obligation.
Gauteng Debt Counselling · NCR-registered debt counsellor Leandie Brink (NCRDC2414) · Member of DCASA · 463 Protea Street, Strubenkop, Pretoria · Mon to Fri, 08:00 to 16:00 · 087 056 0654 · [email protected]
The free assessment does not bind you to any agreement.