Debt Counselling
Debt counselling in South Africa: a practical guide
Understand the regulated process, who it may help and what an initial assessment involves.
DebtRight knowledge centre
Practical debt guides
Plain-language South African guidance designed to help you understand the process and prepare your next step.
Topic library
Explore the guides
Focused articles answer one real consumer question at a time, without sales pressure or unnecessary jargon.
Debt Review
The debt review process, step by step
From assessment and notices to proposals, payments and eventual clearance.
Debt Review
How debt review works in everyday life
What consumers can generally expect after entering the process.
Credit Accounts
What happens to credit accounts under debt review?
A plain-language explanation of existing accounts and access to further credit.
Secured Debt
Debt review and vehicle finance
What to consider when a financed vehicle is essential to work and family life.
Secured Debt
Debt review and home loans
How a bond may fit into a broader debt review repayment plan.
Completion
Debt review clearance: what consumers should know
The checks, records and next steps involved near completion.
Debt Review
Debt review removal: facts before you act
Why the correct route depends on status, findings and legal history.
Understanding Debt
Over-indebtedness explained in plain language
How income, essential expenses and debt repayments are considered together.
Budgeting
Budgeting when you are struggling with debt
A calm, practical method for building a usable household budget.
A better way through debt
You don’t need to figure it out alone.
Start with a confidential conversation and understand what options may be available to you.