Costs & Fees
NCR-regulated fee structure explained
How much does debt counselling cost in South Africa?
Debt counselling costs are regulated by the NCR. There are no hidden fees and no upfront charges beyond what the regulations allow.
Read MoreAre there any upfront costs for debt counselling?
Your initial debt assessment is completely free with no obligation.
Read MoreCan debt review actually save me money?
Yes, part of the debt restructuring process is to renegotiate your interest rates and fees where possible.
Read MoreHow will I pay for my living expenses during debt review?
Your unique payment plan takes into account your actual living expenses and ensures that you are able to afford these every month.
Read MoreWhen I am under debt review, will my outstanding debt keep growing?
Interest continues to accrue on your debt during debt review, but typically at reduced rates negotiated as part of the restructuring process.
Read MoreWhat happens to interest rates during debt review?
Interest rates are typically reduced as part of the debt restructuring negotiation. Common outcomes include:
Read MoreHow can I stick within my monthly budget during debt review?
Sticking to your budget during debt review is crucial for success. Tips include:
Read MoreAre there payment holidays during debt review?
Payment holidays may be possible in exceptional circumstances, but they are not standard and require creditor approval.
Read MoreIs debt consolidation the same as debt review?
No, debt consolidation and debt review are different solutions for different situations:
Read MoreWhat is credit life insurance and do I need it during debt review?
Credit life insurance covers your debt repayments if you die, become disabled, or are retrenched. During debt review, you may have existing credit lif...
Read MoreStill Have Questions?
Our NCR-registered debt counsellors are ready to help. Get a free, confidential assessment today.