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[Accessed April 17, 2023]
About Debt Restruct
Are you experiencing financial difficulty? Is your debt starting to weigh you down? Debt Restruct may offer the solution, one that could get you debt free.
They’re dedicated to assisting you with a legal, sustainable way of paying off your debt and living a life without financial constraints.
What you can expect from Debt Restruct
Debt Restruct offers you a service that may be controlled by statute but is unique in its delivery. They promise to assist you in a way that is:
- Honest – Their service is honest and transparent at all times.
- Caring – Debt Restruct understands the stress debt can cause and cares about all its customers.
- Efficient – Every case they take on is a commitment they follow through to the end. Seeing you debt-free is their ultimate goal.
A pleasant and professional solution
When it comes to debt, Debt Restruct knows that it’s a sensitive subject. They handle each customer professionally and apply the utmost discretion. They pride themself on making the entire debt review process a pleasant one.
Values that you can count on
With the establishment of Debt Restruct, a set of values was put in place as guidelines for the quality of service they deliver. These values are highly prized and they’re committed to upholding them at all times. These are:
- Compassion – They’re understanding of debt and the processes involved in debt review is comprehensive. This gives them the ability to assist you compassionately with becoming debt free.
- Integrity – Your privacy is of the utmost importance and the level of integrity you can expect from Debt Restruct will put you at ease.
- An effective process – The entire process has been made easy and convenient. They’ll assist you with everything you need to make the process as smooth as possible
Debt Restruct Services
Offering you outstanding customer service remains a top priority at Debt Restruct.
They want to help you and many other South Africans, especially those struggling to get by, to turn things around and ultimately live a debt-free life. The goal is not only to help you get rid of your debt but to educate you on responsible and sustainable ways of staying debt free.
What Debt Restruct can do for you
With the end goal being to get out of debt, Debt Restruct can negotiate with creditors for the lowest possible rates. Your Debt Restruct counsellor assesses your financial situation and works out a plan to repay your debt in a combined lower monthly payment. This leaves you with more money for living expenses each month.
A team with legal and financial expertise
You can rest assured that Debt Restruct will ensure that your debt review process is handled as prescribed by the National Credit Regulator.
Their debt counsellors are qualified experts in the legal and financial world and will guide you every step of the way. You’re in safe hands when you choose to partner with Debt Restruct.
Enjoy the protection you deserve
When you choose to file for debt review you’re protected in many ways. You won’t have to worry about receiving threatening calls from your creditors. Your possessions are protected from repossession if you pay your monthly instalment.
By filing for debt review you prevent having to file for bankruptcy and also work on restoring your credit health and record.
There’s no reason to wait until it’s too late. The help you need for regaining control of your finances is available. Debt Restruct has helped many people to become debt free and they can help you too.
Debt Restruct – Debt counsellor
- Loan Type Debt counselling
Benefits of Debt Restruct
- Clear your debt
- Protect your assets
- Improved cash flow
- Reduce monthly debt
The key to financial freedom starts with Debt Restruct
More and more South Africans are drowning in debt.
Debt Restruct was established to help you take on your financial difficulties and live a life free of debt. By following the method prescribed by the National Credit Act they can help you achieve this.
What you’ll need to file for debt review
Not unlike a credit application, applying for debt review also requires some documents to assess your financial situation and verify that you’ve provided the correct information. These documents may include:
- Your South African ID document/Smartcard
- Bank statements for the last three months
- Your three most recent payslips
- A complete list of all your current creditors and the total amounts owing to each
- A list with all your dependants
- A breakdown of your monthly income and expenses including living expenses
The debt review process explained in 5 easy steps
- Go online and navigate to Debt Restruct’s website. At the top right corner of the homepage, you’ll find the free assessment button. This takes you to a quick questionnaire to establish if you qualify for debt review.
- Once you qualify you’ll be assigned an expert debt counsellor. They’ll work with you to put a plan together on how to repay your debt going forward.
- When you agree to the restructured plan, the debt counsellor contacts all your creditors to inform them that you’re under debt review. They’ll then start negotiating the new payment plan and reduced interest rates with your creditors.
- The restructured debt repayment is made an order of the court and you now enjoy protection from creditors and the repossession of your property.
- As soon as your debt is repaid in full, you’re issued a certificate to state that your debt is settled. Your credit record is restored and the flag for debt review is removed.
The benefits of partnering with Debt Restruct
- You’re protected from repossession of your property
- Regain control of your finances
- Have more money during the month
- Clear your credit record
- Avoid bankruptcy
Make the smart choice and apply for debt review with Debt Restruct
There’s no need to allow your debt to get the better of you. With the help, expert advice and guidance you can get from Debt Restruct, you can start to take back control of your finances. They’re dedicated and committed to assisting you with everything you need to reach and maintain a debt-free future.
Customer Reviews & Testimonials
I was drowning in debt and did not know how to go about settling it without another loan. My mother suggested I file for debt review and I approached Debt Restruct for help. They saved me from le...
— Alberton —
The staff at Debt Restruct is so friendly and knowledgeable. The consultant assisted me with everything I needed to know in order to apply for debt review. I’m so relieved that I can breathe agai...
— Port Elizabeth —
I would like to take this opportunity to thank Debt Restruct for standing by me through the entire debt review process. They’ve made my life easier and I now worry a lot less than before.
— Kuruman —
Debt Restruct Contact
- Unit A3, The Beachhead, 10 Niblick Way Somerset West 7130 South Africa
- Get Directions
- Monday 08:00 – 17:00
- Tuesday 08:00 – 17:00
- Wednesday 08:00 – 17:00
- Thursday 08:00 – 17:00
- Friday 08:00 – 16:00
- Saturday – Closed
- Sunday – Closed