Registered Debt Counselling Support
Professional guidance through a regulated process.
Professional Debt Help. Clear Direction.
Take Control of Your Debt.
Start With a Clear Plan.
DebtRight SA provides professional debt counselling in South Africa for consumers whose monthly repayments are becoming difficult to manage. We help you understand your options and whether the regulated debt counselling process may suit your circumstances.
Confidential · Professional · No-obligation initial assessment
Confidential Assessment
Your enquiry is handled carefully and respectfully.
Structured Repayment Solutions
Understand whether a structured approach may suit you.
Support Through the Process
Clear communication from assessment through progress.
Recognise the pressure
Are Your Monthly Debt Repayments Becoming Difficult to Manage?
Debt pressure can build gradually. A structured assessment can help you understand the full picture and what options may be available.
Multiple monthly repayments
Several payment dates can make budgeting difficult.
Credit cards and personal loans
High-cost credit can place pressure on monthly cash flow.
Rising living costs
Essentials may leave less available for debt commitments.
Falling behind
Missed payments can make the situation harder to track.
Using credit for expenses
Relying on credit for basics can signal an affordability problem.
Too many creditors
Keeping track of balances and communications can feel overwhelming.
A simple first step
How the assessment process works
Customer-friendly guidance without unnecessary complexity.
Tell Us About Your Situation
Share the information needed to understand your position.
We Assess Your Finances
We consider income, living costs and debt commitments.
Understand Your Options
Receive clear guidance about routes that may be appropriate.
Start the Appropriate Process
If you choose to proceed, we explain the next steps.
See Where You Stand
Start with a clear view of your finances.
The initial assessment helps evaluate the relationship between what comes in, essential living costs and monthly debt commitments.
IncomeLiving expensesDebt commitmentsOverall affordability
Start Free AssessmentSubmitting an assessment does not automatically place you under debt review.
Private, clear and straightforward
Complete the secure assessment at your own pace. We request only the information needed for the initial review.
- Clear questions
- Secure information handling
- Professional follow-up
- No-obligation initial assessment
Why DebtRight
Professional support built around clarity.
A calm, structured experience for consumers who want to understand what to do next.
Experienced guidance
Professional insight throughout the assessment and process.
Personal service
Guidance that considers your individual circumstances.
Clear communication
Plain-language explanations of what happens next.
Structured process
A defined journey from assessment to appropriate action.
Ongoing support
Help understanding requirements and progress.
Secure information handling
Careful handling of the information you provide.
Debt solutions
Support for different stages of the journey.
Explore consumer-focused guidance and services available through DebtRight.
Debt Counselling
Understand the regulated process and whether it may be suitable.
Learn More →Budget Planning
Build a clearer view of income, expenses and priorities.
Learn More →Creditor Negotiations
Learn how a structured process may address creditor commitments.
Learn More →Debt Review After-Care
Get support while an existing debt review is in progress.
Learn More →Clearance Certificates
Understand the steps that follow completion of the process.
Learn More →Debt Review Removal
Learn about the applicable requirements and available guidance.
Learn More →Your customer journey
Clear direction, one step at a time.
ASSESS→UNDERSTAND→PLAN→PROGRESS
Frequently asked questions
Helpful answers before you begin.
What is debt counselling?
Debt counselling is a regulated South African process that assesses whether a consumer is over-indebted and, where appropriate, works toward a structured repayment arrangement.
How do I know if I am over-indebted?
Common signs include struggling to meet monthly commitments, using credit for essential expenses or falling behind. A formal assessment considers your income, reasonable living expenses and debt obligations.
Will my creditors still be paid?
Where a debt counselling repayment plan is established, payments are distributed to participating credit providers in line with the applicable arrangement and process.
Can I apply jointly with my spouse?
This depends on your marital regime, joint obligations and circumstances. DebtRight can explain what information is required for an appropriate assessment.
What happens after I submit an assessment?
Your information is reviewed and DebtRight contacts you to discuss the position and possible next steps. Submitting the assessment alone does not automatically place you under debt review.
A clear next step
You Don’t Have to Guess What to Do Next.
Start with a confidential assessment of your financial situation.