Family Home Saved from Auction
Client: The Mokoena Family - Johannesburg
Original Debt: R450,000
Monthly Payment Reduced: R8,500 to R3,200
The Mokoena family was facing imminent home repossession after losing their primary income. With mounting pressure from creditors and a sheriff's notice already served, they turned to debt review as their last hope. Through careful negotiation with creditors and a structured repayment plan, we saved their family home and reduced their monthly payments by over 60%.
- Home saved from auction
- 62% reduction in monthly payments
- Legal protection from creditors
- Sustainable 36-month repayment plan
Single Mother's Fresh Start
Client: Lindiwe S. - Cape Town
Original Debt: R180,000
Monthly Payment Reduced: R4,200 to R1,800
Lindiwe, a single mother of two, was drowning in credit card debt and personal loans. Creditors were calling daily, affecting her work performance and mental health. Our team worked with her creditors to reduce interest rates to 0% and create an affordable payment plan that allowed her to provide for her children while becoming debt-free.
- 57% lower monthly payments
- 0% interest on all accounts
- Peace of mind restored
- Children's education secured
Business Owner's Recovery
Client: James M. - Pretoria
Original Debt: R320,000
Monthly Payment Reduced: R11,100 to R4,500
James's small business suffered during economic downturn, leaving him unable to meet personal debt obligations. His vehicle, essential for his business, was about to be repossessed. Through debt review, we protected his assets, negotiated with creditors, and created a plan that allowed his business to recover while managing his debt responsibly.
- Vehicle repossession stopped
- Job security maintained
- Monthly payments reduced by R6,600
- Completed program ahead of schedule
Client Saved from Clearance Certificate Scam
Client: Michael N. - Durban
Original Debt: R250,000
Monthly Payment Reduced: R1,800 to R450
Michael was contacted by scammers demanding R1,800 (VAT excl.) for his debt review clearance certificate. According to NCR guidelines, this should be free if up to date with aftercare fees, or maximum R450 by another debt counsellor. We saved him from the scam, charged only R450, then investigated his debts and discovered prescribed debt he had no proof for—writing off over R250,000.
- Protected from R1,800 scam attempt
- Paid only R450 (NCR legal maximum)
- R250,000+ prescribed debt written off
- Full compliance with NCR guidelines
Court Removal After Being Scammed Elsewhere
Client: Thandi M. - Polokwane
Original Debt: R6,000
Monthly Payment Reduced: R6,000 to R3,500
Thandi was quoted by us for debt review removal but went elsewhere thinking she found a bargain after being offered a 'cheaper' rate. She paid R6,000 to another company and waited months—only to discover nothing had been done. No court application, no progress, just excuses. She came back to us, we assessed her situation, followed the proper court removal route, and she was cleared within 3 months. By month 6, she walked into a dealership and bought a car on credit—proof her credit record was fully restored.
- Cleared through proper court process in 3 months
- Credit record fully restored
- Bought a car on credit by month 6
- Legal and compliant removal process
Clean Exit with Form 19
Client: Nomvula K. - East London
Original Debt: R195,000
Monthly Payment Reduced: R3,500 to R450
Nomvula had completed her debt review payments but was being charged R3,500 for her Form 19 clearance certificate. We stepped in, confirmed she was up to date with aftercare fees, and processed her Form 19 for R450—the NCR maximum. She saved R3,050 and had her credit bureaus updated within 4 weeks.
- Form 19 issued at NCR-compliant rate (R450)
- R3,050 saved from overcharging
- Credit bureaus updated in 4 weeks
- Proper exit with all documentation
Medical Emergency Recovery
Client: Palesa T. - Bloemfontein
Original Debt: R280,000
Monthly Payment Reduced: R11,200 to R4,200
Palesa, a teacher, faced a medical emergency that wiped out her savings and left her drowning in debt. With R11,200 in monthly repayments on a R22,000 salary, she couldn't cope. We restructured her R280,000 debt, reducing payments to R4,200/month—giving her breathing room to recover while protecting her from legal action.
- 63% reduction in monthly payments
- Protected from creditor harassment
- Medical treatment prioritized
- Manageable 42-month repayment plan
COVID-19 Retrenchment Recovery
Client: Douglas S. - Gqeberha
Original Debt: R320,000
Monthly Payment Reduced: R13,500 to R5,800
Douglas was retrenched during COVID-19 and found new employment at a lower salary. His R13,500 monthly debt obligations were impossible on his new R19,000 income. Legal letters were piling up. We stepped in, restructured his debt to R5,800/month, stopped all legal action, and put him on a path to being debt-free in 48 months.
- 57% reduction in monthly payments
- All legal action halted
- Assets protected from attachment
- Debt-free in 48 months
Store Account Trap Escape
Client: Nandi V. - Soweto
Original Debt: R95,000
Monthly Payment Reduced: R6,800 to R2,400
Nandi had 8 store accounts—Edgars, Mr Price, Woolworths, and more—each with high interest rates eating into her payments. She was paying R6,800/month but barely touching the principal. We consolidated her accounts, negotiated 0% interest on most, and reduced her payments to R2,400/month.
- 8 accounts consolidated into one payment
- 65% reduction in monthly payments
- 0% interest negotiated on most accounts
- Clear end date for debt freedom
Young Professional Lifestyle Debt
Client: Lerato M. - Sandton
Original Debt: R350,000
Monthly Payment Reduced: R14,500 to R7,950
Lerato's lifestyle had caught up with her—luxury car, credit cards, personal loans. At 28, she was earning R35,000/month but paying R14,500 in debt repayments. Her car was about to be repossessed. We restructured her debt to R7,950/month, protected her vehicle, and gave her a fresh start without losing her assets.
- Vehicle protected from repossession
- 45% reduction in payments
- Credit cards and loans consolidated
- Financial education included
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Family Home Saved from Auction
The Mokoena Family from Johannesburg
The Mokoena family was facing imminent home repossession after losing their primary income. With mounting pressure from creditors and a sheriff's notice already served, they turned to debt review as their last hope. Through careful negotiation with creditors and a structured repayment plan, we saved their family home and reduced their monthly payments by over 60%.
- Home saved from auction
- 62% reduction in monthly payments
- Legal protection from creditors
- Sustainable 36-month repayment plan
Timeframe: 36 months. Outcome: Home saved, debt restructured
Single Mother's Fresh Start
Lindiwe S. from Cape Town
Lindiwe, a single mother of two, was drowning in credit card debt and personal loans. Creditors were calling daily, affecting her work performance and mental health. Our team worked with her creditors to reduce interest rates to 0% and create an affordable payment plan that allowed her to provide for her children while becoming debt-free.
- 57% lower monthly payments
- 0% interest on all accounts
- Peace of mind restored
- Children's education secured
Timeframe: 48 months. Outcome: Debt-free journey started
Business Owner's Recovery
James M. from Pretoria
James's small business suffered during economic downturn, leaving him unable to meet personal debt obligations. His vehicle, essential for his business, was about to be repossessed. Through debt review, we protected his assets, negotiated with creditors, and created a plan that allowed his business to recover while managing his debt responsibly.
- Vehicle repossession stopped
- Job security maintained
- Monthly payments reduced by R6,600
- Completed program ahead of schedule
Timeframe: 42 months. Outcome: Business and vehicle saved
Client Saved from Clearance Certificate Scam
Michael N. from Durban
Michael was contacted by scammers demanding R1,800 (VAT excl.) for his debt review clearance certificate. According to NCR guidelines, this should be free if up to date with aftercare fees, or maximum R450 by another debt counsellor. We saved him from the scam, charged only R450, then investigated his debts and discovered prescribed debt he had no proof for—writing off over R250,000.
- Protected from R1,800 scam attempt
- Paid only R450 (NCR legal maximum)
- R250,000+ prescribed debt written off
- Full compliance with NCR guidelines
Timeframe: 2 weeks. Outcome: R250K+ prescribed debt written off
Court Removal After Being Scammed Elsewhere
Thandi M. from Polokwane
Thandi was quoted by us for debt review removal but went elsewhere thinking she found a bargain after being offered a 'cheaper' rate. She paid R6,000 to another company and waited months—only to discover nothing had been done. No court application, no progress, just excuses. She came back to us, we assessed her situation, followed the proper court removal route, and she was cleared within 3 months. By month 6, she walked into a dealership and bought a car on credit—proof her credit record was fully restored.
- Cleared through proper court process in 3 months
- Credit record fully restored
- Bought a car on credit by month 6
- Legal and compliant removal process
Timeframe: 3 months. Outcome: Cleared & bought car on credit
Clean Exit with Form 19
Nomvula K. from East London
Nomvula had completed her debt review payments but was being charged R3,500 for her Form 19 clearance certificate. We stepped in, confirmed she was up to date with aftercare fees, and processed her Form 19 for R450—the NCR maximum. She saved R3,050 and had her credit bureaus updated within 4 weeks.
- Form 19 issued at NCR-compliant rate (R450)
- R3,050 saved from overcharging
- Credit bureaus updated in 4 weeks
- Proper exit with all documentation
Timeframe: 4 weeks. Outcome: R3,050 saved on clearance
Medical Emergency Recovery
Palesa T. from Bloemfontein
Palesa, a teacher, faced a medical emergency that wiped out her savings and left her drowning in debt. With R11,200 in monthly repayments on a R22,000 salary, she couldn't cope. We restructured her R280,000 debt, reducing payments to R4,200/month—giving her breathing room to recover while protecting her from legal action.
- 63% reduction in monthly payments
- Protected from creditor harassment
- Medical treatment prioritized
- Manageable 42-month repayment plan
Timeframe: 42 months. Outcome: 63% payment reduction
COVID-19 Retrenchment Recovery
Douglas S. from Gqeberha
Douglas was retrenched during COVID-19 and found new employment at a lower salary. His R13,500 monthly debt obligations were impossible on his new R19,000 income. Legal letters were piling up. We stepped in, restructured his debt to R5,800/month, stopped all legal action, and put him on a path to being debt-free in 48 months.
- 57% reduction in monthly payments
- All legal action halted
- Assets protected from attachment
- Debt-free in 48 months
Timeframe: 48 months. Outcome: 57% payment reduction
Store Account Trap Escape
Nandi V. from Soweto
Nandi had 8 store accounts—Edgars, Mr Price, Woolworths, and more—each with high interest rates eating into her payments. She was paying R6,800/month but barely touching the principal. We consolidated her accounts, negotiated 0% interest on most, and reduced her payments to R2,400/month.
- 8 accounts consolidated into one payment
- 65% reduction in monthly payments
- 0% interest negotiated on most accounts
- Clear end date for debt freedom
Timeframe: 36 months. Outcome: 0% interest negotiated
Young Professional Lifestyle Debt
Lerato M. from Sandton
Lerato's lifestyle had caught up with her—luxury car, credit cards, personal loans. At 28, she was earning R35,000/month but paying R14,500 in debt repayments. Her car was about to be repossessed. We restructured her debt to R7,950/month, protected her vehicle, and gave her a fresh start without losing her assets.
- Vehicle protected from repossession
- 45% reduction in payments
- Credit cards and loans consolidated
- Financial education included
Timeframe: 54 months. Outcome: Vehicle saved from repo
Fees referenced in the case studies above are billed in stages as each corresponding service is performed. In accordance with Section 126A(3) of the National Credit Act, no fee is collected before the corresponding service has been performed, and a written prescribed disclosure statement is provided before any fee becomes payable.