top of page




Debt Review Explained


Debt Review, otherwise known as debt counselling is a debt solution targeted at South African consumers who are over-indebted and struggling to manage their monthly finances. In 2007 The National Credit Act (NCA) introduced the formal debt rehabilitation program, debt review, in order to prevent consumers from being placed into personal administration (blacklisting) and having to deal with the long term effects. The process was also implemented in order to make sure that debt counselors follow strict and ethical guidelines when assisting clients with gaining their financial well-being. Debt review is the process whereby a debt counselor assesses a client’s outstanding debt and implements a monthly restructured payment plan. This will be done through the process of renegotiating interest rates with credit providers in order to reduce them and with the help of the Debt Counselling Rule System(DCRS) keep the term the same. A new affordable monthly budget and payment plan will be drawn up by a debt counselor, which will provide the client with the correct guidelines and means to live a debt free life.


Our Debt Counselling program is the perfect solution to becoming debt free, not only are we empowered by the NCR (National Credit Regulators) and the NCA (National Credit Act) to protect you from being blacklisted, we are empowered to reduce your monthly debt obligations by providing you a tailor made debt solution plan that suits your monthly expenses, while at the same time protecting your name and assets from being repossessed.


  • Contact FDA and send them your details.

  • Complete a FREE debt assessment to see if you qualify.

  • If you qualify, send us your application.

  • Get a new budget and have your payment plan restructured.

  • Begin to pay your new lower monthly installments.

  • Have your new payment plan approved by the magistrate’s court.


The good news is that this debt solution can benefit you in the following ways:

  • Your registered FDA debt counselor will negotiate with your credit providers on your behalf.

  • Credit providers and debt collectors may no longer harass or threaten you.

  • Your home, car and salary will be safe from repossession.

  • Your debt will be consolidated without you needing a loan.

  • You will only make one monthly repayment

  • Your monthly installments will be reduced.

  • You will be able to afford your living expenses.

  • You will only pay what you can afford.

  • It doesn’t leave a permanent record on your credit profile.

  • All of your debt counselling fees will be part of your repayment plan.

bottom of page