About The National Debt Review Center (NDRC)

About The National Debt Review Center

We help South Africans get out from under, stay protected, and start again—properly. From first assessment to final clearance, we combine regulated debt counselling with disciplined processes, plain-language guidance, and the right technology to get you over the line.

Who we are

The National Debt Review Center (NDRC) is a South African debt counselling practice based in Newton Park, Gqeberha. We assist consumers with debt counselling (debt review), debt review removal where legally appropriate, and debt review clearance certificates. Consultations are free and can be booked online or in-office by appointment.

Book an appointment with Personnel Calendar using SetMore

Compliance & Company Details

  1. We operate within the NCA framework, and encourage clients to verify counsellor registration on the NCR’s public register.
  2. We protect personal information under POPIA and publish both a Protection of Personal Information Policy and a Privacy Policy that explain what we collect, why, and how we secure and share it.
  3. We maintain internal labour and workplace standards and publish them for transparency.
  4. We publish our B-BBEE policy and review it annually in line with legislation and Codes of Good Practice.

“ We pledge to deliver the utmost in client service and act with the highest standards of integrity.“

Leadership & registration

NDRC is led by Sibabalwe Samora Dakana, a registered Debt Counsellor (NCRDC3106).

What we do

We specialise in debt counselling (debt review), debt review removal (where legally eligible), clearance certificates, and ongoing credit-health support. Our debt counsellors negotiate sustainable repayment plans, protect you from harassment and repossession while under review, and guide you back to a healthy credit profile, step by step and above board.

Our Services

1) Debt Counselling (Debt Review)

We assess affordability, restructure debt into a single reduced monthly repayment, and obtain court/tribunal protection so your assets are safeguarded and you can rehabilitate your credit profile over time. You’ll get ongoing support until and after the debt review clearance certificate is issued.

Learn About Debt Counselling

2) Debt Review Removal

Where the National Credit Act and case facts allow (e.g., all qualifying debts settled, or other lawful grounds), we guide you through the removal of the “under debt review” flag and update credit bureaus and credit providers accordingly. (Each matter is fact-specific; we’ll confirm eligibility first.)

Learn About Debt Review Removal

3) Debt Review Clearance Certificates

If you’ve completed your plan (or only your home loan remains and you meet the legal requirements), we issue a clearance certificate and ensure updates to the NCR/certain credit bureaus and credit providers.

Find All NDRC's Services Here
NDRC offices near me
Free Debt Review assessment by The National Debt Review Center

How we work (your journey)

  • We offer a free & confidential assessment, review your income, expenses, and credit profile to decide the right route: debt counselling, removal, or a clearance certificate. 

  •  If you proceed with debt counselling, we propose an affordable repayment plan and pursue legal protection so creditors must deal via the process.

  • We manage creditor engagement, payment distribution partners, and statutory communications. For removals/clearances, we issue supporting documents and push all relevant updates. 

  • We help you transition out of debt review responsibly and avoid sliding back into over-indebtedness. (We’ll never promise miracles; we’ll promise transparency and a lawful process.)

  • From the point of completing your free, no-obligation debt assessment, The National Debt Review Center will treat all your personal information with the utmost of confidentiality and not only do we provide help where needed, we also provide self-help tools for consumers to use when assessing their financial situation so that where possible and through proper budgeting and lifestyle changes, they can rehabilitate themselves.

  • We have built strong partnerships with the The National Credit Regulator, The National Consumer Tribunal, Finwise, DCCP and DC Partner a registered Payment Distribution Agency. This ensures that the debt counselling process takes place quickly and efficiently.

Customer Service
1 %
NCR Compliant
1 %
Creditor Trust
1 %

Our technology

  • NDRC Debt Counselling & Debt Review Removal Software. This is a dedicated Debt Counselling & Debt Review Removal as well as a robust Sales CRM platform, designed by a Debt Counsellor for Debt Counsellors. Its created to the debt counselling practice,  client pipeline management, legal document preparation faster and more reliable. (This is a one stop shop for all registered debt counsellors, tailored for their practice needs).

  • More Systems are mentioned on the founders profile Sibabalwe Dakana – Registered Debt Counsellor (NCRDC3106)

Why South Africans choose NDRC

  • Our industry is regulated by the National Credit Regulator, and our lead debt counsellor, Sibabalwe Samora Dakana with NCR registration number NCRDC3106, is also a member of the Debt Counsellors Association of South Africa.

  • We’re a Level 1 contributor, and you only get this level 135% procurement recognition when you supporting real, broad-based empowerment. (Our B-BBEE policy)

  • We treat your information like gold and align with POPIA and our site Privacy/POPIA policies. 

  • Our in-house systems, processes, mobile apps and platforms shorten timelines, reduce errors and keep you informed at every step.