A debt counsellor’s job is to help over-indebted people regain financial stability. They:
Assess your debt situation
Protect you legally by stopping creditor harassment
Negotiate lower, affordable repayments with creditors
Arrange one monthly payment through a Payment Distribution Agency
Provide guidance and support during the process
Issue a clearance certificate once debts are settled
👉 In short: They protect, negotiate, and guide you until you’re debt-free.
Antidebt
Debt Review
Debt is the root of slavery for the free
Debt review counsellors play a central role in helping over-indebted South Africans get back on track financially. Here’s a clear breakdown of what they do for you:
🔹 What Debt Review Counsellors Do
Assess Your Debt Situation
They conduct a free debt assessment to see how much you owe and whether debt counselling is the right solution.
Offer Legal Protection
Once you’re under debt review, they notify creditors and credit bureaus.
Creditors can no longer harass you with calls or legal action—they must deal with your counsellor.
Negotiate with Creditors
They restructure your debt into one affordable monthly repayment.
They negotiate lower instalments and extended terms on your behalf.
They ensure the repayment plan is approved by a court or tribunal, making it legally binding.
Simplify Your Payments
Instead of paying many creditors, you make one payment to a Payment Distribution Agency (PDA).
The counsellor sets this up and ensures your funds are distributed correctly.
Guide You Through the Process
They provide ongoing support, track your progress, and communicate with creditors when needed.
If your financial situation improves, they help you adjust your plan.
Clear Your Record
When all debts are settled, they issue your clearance certificate and ensure credit bureaus update your profile.
👉 In short: Debt review counsellors protect you, negotiate for you, and guide you until you’re debt-free.
