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.
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:
At SDC, our team works directly with credit providers to create a plan that works for your life and your income.
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.
Any credit active consumer in South Africa qualifies if:
If that sounds like your situation, we can help.
Not all debt counsellors are equal.
Here is why South Africans choose us:
We focus on solutions that last. We help you rebuild your financial life the right way.
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.
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.