Debt Review Anywhere in South Africa
Our office is in Pretoria, but our clients live all over the country. Debt review works the same in every province, and our whole process runs by phone, WhatsApp and email, from your free assessment to your clearance certificate.
★ Debt Review Awards: Top 5 Large Debt Counsellors 2025 · Top 10 Medium Debt Counsellors 2026
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Find your province
Choose your province for local details, or simply call or WhatsApp us.
| Province | Main cities and towns |
|---|---|
| Gauteng | Pretoria, Johannesburg, Ekurhuleni, West Rand, Vaal |
| Western Cape | Cape Town, Bellville, Stellenbosch, Paarl, George |
| KwaZulu-Natal | Durban, Pietermaritzburg, Richards Bay, Newcastle |
| Eastern Cape | Gqeberha, East London, Mthatha, Makhanda |
| Free State | Bloemfontein, Welkom, Sasolburg, Bethlehem |
| North West | Rustenburg, Brits, Potchefstroom, Klerksdorp, Mahikeng |
| Mpumalanga | Mbombela, eMalahleni, Middelburg, Secunda |
| Limpopo | Polokwane, Mokopane, Tzaneen, Thohoyandou |
| Northern Cape | Kimberley, Upington, Kuruman, Springbok |
Prefer Afrikaans? Our sister practice Skuldberading offers the full process in Afrikaans, anywhere in the country.
Quick answer: Yes, you can use a debt counsellor in another province. The National Credit Act and the NCR fee caps apply nationally, your application is lodged electronically, and your plan is made an order of the magistrate’s court where you live.
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.
Ready to find out where you stand?
Tell us where you are and what you owe. The assessment is free and does not commit you to anything.
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.