Debt Review on the West Rand
Gauteng Debt Counselling helps households from Krugersdorp to Carletonville bring their debt back under control. The whole process works by phone, WhatsApp and email, so you get an experienced, award-winning practice without the drive.
★ Debt Review Awards: Top 5 Large Debt Counsellors 2025 · Top 10 Medium Debt Counsellors 2026
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Quick answer: Debt review lowers your monthly debt repayments by restructuring them into one affordable payment, and the plan is made a court order. It is open to anyone who is over-indebted, including people whose income has dropped. If you live in Mogale City, Rand West City or Merafong, you can start with a free assessment by phone or WhatsApp.
When your income changes
Short time, lost overtime, a retrenchment in the household or a partner who stopped earning: when income drops, the debt repayments that were fine last year can suddenly be more than you can afford. That is exactly what debt review is for. We work out what you can realistically pay after essential living costs, and negotiate your instalments and interest down to fit.
If your situation changes again during your plan, tell us. We can look at whether the plan needs to be reviewed.
Areas we serve on the West Rand
- Krugersdorp, Kagiso and Mogale City
- Muldersdrift and Magaliesburg
- Randfontein and Mohlakeng
- Westonaria and Bekkersdal
- Carletonville, Khutsong and Fochville
Your municipal account and debt review
Rates, water and electricity accounts with your local municipality 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.
I was retrenched. Can I still go under debt review?
Debt review needs some regular income to pay the restructured amount, so we look at what you earn now, including a new job, a partner’s income or other regular income. Contact us for a free assessment and we will tell you honestly whether debt review can work for you.
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.
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?
Find out in one conversation whether debt review is right for you. 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.