Winning The Fight Against Debt Starts Here.
Stressed about your payments? Creditors harassing you for money? We specialise in talking to your creditors on your behalf, negotiating to get debts reduced, and formulating simple payment plans that will get you out of debt and back into a stress-free state of financial freedom. We do not offer loans.
Callback Request
Answer a few quick questions to see your debt help options.
Whatever your situation − we can help!
We have helped over 8 000 South Africans become debt-free. They now live within their means, have built savings, and many now own their own home.
You are not alone. We can help!
We know that one of the hardest things to do when debt starts pilling up is to ask for help. Financial problems can happen to anyone, at any time. Losing a job, illness or an unexpected event in life can throw anyone off-track financially.
We’ll work with you and for you, to take back control and explore your options to becoming debt-free. We will help win the fight against debt!
Benefits of Debt Counselling
Combine all your debt into one affordable repayment.
Free up money to cover all your expenses.
Re-negotiate and lower interest and charges on debts.
Stop creditor and debt collector calls. Protect your assets.
The Road to Debt Freedom
Find out if you qualify
Contact us for a free debt assessment. We will review your information and evaluate whether you are over-indebted. It is quick, free, and confidential.
New affordable monthly payment
We will register you as being under debt review and inform all your creditors. We’ll negotiate with your creditors for a new payment plan with reduced interest rates and monthly repayments.
Stop creditor and debt collector calls.
Once registered under debt review and making regular payments, we will deal with your creditors on your behalf. Our attorneys will apply at court to make your restructured payment plan a court order.
Debt Freedom
Once you have paid off your debt, we will issue you with a clearance certificate. Your credit record will improve and the debt review flag will be removed. You will be able to access credit again.
A Real Life Case Study
Thabo was demoted at work and started to struggle to keep up with his monthly installments. He signed up for debt review and we were about to reduce his installments as shown below
| Before Debt Review | After Debt Review | Reduction |
|---|---|---|
|
R20 000 per month |
R10 500 per month |
R9 500 per month |
Testimonials
They did it, and so can you! Anyone can get into debt. But sometimes, it takes a bit of help to get out of it. That’s what we’re here for. And here are some of the people we’ve helped.
Frequently Asked Questions.
While it’s not right for everyone or applicable to every situation, you should consider it as a possibility for curing your financial woes.
Debt Review is for consumers that are overindebted, have fallen behind, or are at risk of falling behind. You are over-indebted if the money left after paying essential expenses such as rent, groceries is not enough to pay your debt obligations. Debt Review is for consumers who have received Section 129 letters from creditors.
You are over-indebted if the money left after paying essential expenses such as rent, groceries is not enough to pay your debt obligations.
The National Credit Act (NCA) introduced debt review, sometimes called debt counselling, in 2007 to assist over-indebted South African consumers.
Debt review is considered to be safer and more effective than debt consolidation loans, which often end up being a short-term solution that could get consumers further into debt.
NCR registered debt counsellors are qualified to assist over-indebted consumers reduce their debt.
No, you will not have to attend any court proceedings, as DebtChamp’s specialist attorneys will obtain the court order for you. The legal fees relating to the court order is included in your reduced monthly debt repayment amount.
Just like DNA, everyone’s financial situation is different. Factors that influence the length of your term include the amount of debt that you have and your monthly affordability. Most of our clients are debt-free within 36-60 months.
We are here to help
It’s time to get back on your feet. Get your FREE, personalized, no-obligation debt assessment or quote today.
Our Mission
Our mission is to help people in serious financial difficulty find a voice in the midst of their crisis and help them move toward a brighter debt-free future.