Debt counselling costs are regulated by the NCR. There are no hidden fees and no upfront charges beyond what the regulations allow.
2026 NCR-prescribed debt counselling fees:
• Application fee: R50 (once-off) VAT exclusive
• Administration fee: R300 (once-off) VAT exclusive
• Restructuring fee: Up to R8,000 for single applicant, R9,000 if married in community of property (spread over 12-24 months)
• After-care fee: Maximum R450 per month VAT exclusive
• NCT submission fee: R500.00 (excl. VAT) — our service fee for preparing and lodging the NCT application
• NCT filing fee: R717.79 per application (1 April 2026 – 31 March 2027, per Government Gazette No 42337) — paid to the Tribunal for consent orders
• Legal fees: Legal Fee equivalent to restructuring fee only if required (e.g. court application)
Your initial assessment is free, obligation-free, and used to confirm affordability and eligibility.