Debt Review in KwaZulu-Natal
From Durban to Newcastle, Gauteng Debt Counselling helps KwaZulu-Natal households replace a pile of debt repayments with one affordable monthly amount. No office visits needed: we work by phone, WhatsApp and email.
★ Debt Review Awards: Top 5 Large Debt Counsellors 2025 · Top 10 Medium Debt Counsellors 2026
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Quick answer: Debt review restructures your credit agreements into one payment you can afford, and the plan is made a court order. If you live anywhere in KwaZulu-Natal you can start with a free assessment by phone or WhatsApp, and we handle the whole application for you.
One affordable payment, wherever you are in KZN
When vehicle finance, personal loans, store accounts and credit cards all fall due in the same week, it is easy to fall behind on one to pay another. Debt review stops that cycle: we negotiate lower instalments and interest with each credit provider, and you pay one amount a month through an NCR-registered payment distribution agency.
Your plan is made an order of the magistrate’s court where you live, so the process works the same in Durban, Pietermaritzburg or a small town.
Areas we serve in KwaZulu-Natal
- Durban, Umhlanga and the North Coast
- Pinetown, Westville and the Upper Highway
- Pietermaritzburg and the Midlands
- South Coast: Amanzimtoti, Port Shepstone and Margate
- Richards Bay and Empangeni
- Newcastle, Ladysmith and Vryheid
Your municipal account and debt review
Rates, water and electricity accounts with eThekwini, Msunduzi or your local municipality are not credit agreements, so they cannot be included in debt review. We budget for them as essential expenses so your plan stays affordable.
See all provinces we serve or our Gauteng areas.
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
Can a Pretoria debt counsellor really help me in another province?
Yes. The National Credit Act, the debt review process and the NCR fee caps are the same in every province, and our registration covers the whole country. Your application is lodged electronically, your plan is made an order of your local magistrate’s court, and everything else is handled by phone, WhatsApp and email.
Which court makes my plan an order?
The magistrate’s court for the area where you live, or the National Consumer Tribunal. We prepare and handle the application from our office, and in most cases you do not need to attend.
Can debt review stop my car being repossessed?
For vehicle finance included in your debt review, the credit provider 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. Contact us early.
How do I send my documents?
By WhatsApp or email. A clear photo or PDF of your ID, payslips, bank statements and account statements is enough to get started.
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?
Send us a WhatsApp or book a free assessment online. We will call you back 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.