Debt Counselling with SDC – Get Out of Debt Now
At Sandton Debt Counselling, we counsel many over-indebted consumers and assist them on their journey to financial liberty. Although one of the services we provide is debt counselling, the actual process that you’ll undergo in the end is referred to as debt review.
Debt can take over your life fast.
Missed payments. Mounting interest. Endless calls.
It all adds up.
But with the right help, you can turn it around.
SDC offers a proven way out. A legal and structured process designed to ease your monthly payments and help you keep your assets safe.
We do not judge. We help you rebuild.
What Is Debt Counselling?
It is a process governed by the National Credit Act. If your debts are bigger than your income or you are juggling too many loans, this gives you a legal way to restructure what you owe.
Here is how the process helps:
- Reduces your monthly debt repayments
- Stops credit providers from taking legal action
- Protects your house and your car
- Helps you become debt free in 3 to 5 years
At SDC, our team works directly with credit providers to create a plan that works for your life and your income.
How Does Debt Review Work?
We make it simple.
Step 1 – Free Debt Assessment
We check your income and expenses to see if this is the right option for you.
Step 2 – Negotiation and Plan
We deal with your creditors. We reduce your monthly repayments and lower your interest rates.
Step 3 – Legal Protection
Once under review, your assets are protected. No repossessions. No Judgments.
Step 4 – One Monthly Payment
You pay one amount each month through an approved Payment Distribution Agency. We use the award winning Hyphen PDA. No more juggling five or six different creditors.
Step 5 – Debt Clearance
When you finish paying, we issue a clearance certificate. Your credit record is updated and you are debt free.
Who Qualifies for this program?
Any credit active consumer in South Africa qualifies if:
- You cannot afford your monthly debt repayments
- Your credit cards, loans, and store accounts are falling behind
- You are at risk of losing your car or home
- You earn a regular income and can commit to a repayment plan
If that sounds like your situation, we can help.
Why Choose SDC?
Not all debt counsellors are equal.
Here is why South Africans choose us:
- Over 13 Years of Experience in debt restructuring and negotiation
- Registered with the National Credit Regulator
- Full Member of DCASA
- Dedicated Team that walks with you from start to finish
- Lower Payments arranged directly with your creditors
- Legal Asset Protection while you pay off your debts
We focus on solutions that last. We help you rebuild your financial life the right way.
Frequent Questions
How long does debt counselling take?
Most people complete the process in 3 to 5 years, depending on the size of their debt and their monthly payments.
Can I apply if I am “blacklisted?”
Yes. If you have a steady income and are over-indebted, you may still qualify.
Will I lose my house or car?
No. As long as you stay in the program and pay as agreed, your assets are protected.
Can I cancel debt review?
Yes, but only once your short term debt is fully paid or if your financial situation improves enough that you can pay on your own. This must be done through a legal process though.
Will my credit score improve?
Yes. Once your debts are cleared and a clearance certificate is issued, your credit record is updated. You can start fresh and rebuild.
Take the First Step
This process is not a quick fix.
It is the right fix.
If you are struggling to keep up with payments, now is the time to act.
SDC can help you cut monthly costs, stop legal action, and move toward a clean credit record.
No stress. No shame. Just real help.
Let us help you get out of debt the right way.