Falling into debt can happen to anyone. Unexpected expenses, job loss, or high interest rates can quickly spiral into overwhelming financial stress. When monthly repayments become unmanageable, many consumers feel trapped with no way forward. Fortunately, there is a solution designed to help South Africans break free from this cycle — Debt Review.
What is Debt Review?
Debt Review, also known as Debt Counselling, is a legal process introduced by the National Credit Act (NCA) to protect consumers who are struggling with debt. Once you apply for Debt Review, your debt counsellor will negotiate with your creditors to reduce your monthly instalments, restructure your payments, and provide you with legal protection against repossession and harassment from credit providers.
The Benefits of Debt Review
• Lower Monthly Instalments – Your repayments are reduced to an affordable amount based on your budget.
• Legal Protection – Once under Debt Review, creditors cannot take legal action against you for unpaid debt.
• One Consolidated Payment – You make a single monthly payment to a Payment Distribution Agency (PDA), which is then distributed to your creditors.
• Protection of Assets – Your home, car, and other assets are safeguarded while you continue repayments.
• A Clear Road to Financial Freedom – Once you’ve successfully completed the process, you receive a Clearance Certificate and can rebuild your credit record.
Why Choose Debt Review?
Debt Review is not just about reducing debt — it’s about giving you peace of mind, financial stability, and the opportunity to take back control of your life. Instead of living under constant stress, you’ll have a structured plan that allows you to breathe again while working towards a debt-free future.
Take the First Step Today
If you are struggling to keep up with your debt repayments, you don’t have to face it alone. At Anti Debt Solutions, we specialise in helping over-indebted consumers find relief through the Debt Review process. Our professional and compassionate team will guide you every step of the way until you are debt-free.
✨ Your journey to financial freedom starts with a single step. Contact us today for a free, no-obligation assessment.
