Rating based on 8 reviews

SA Debt Help

  • Lower Monthly Repayments
  • Improved Cashflow
  • Protect Your Assets

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SA Debt Help homepage
Author SA Debt Help. Screenshot of SA Debt Help website.
[Accessed April 17, 2023]

About SA Debt Help

SA Debt Help is a registered NCR debt counselling agency that has been operating since 2008.

Leveraging close to 15 years of experience, you can be assured that they’ll handle your debt review process in a speedy and effective way.

Award-winning credit provider

SA Debt Help has received recognition for the efficient services they offer and was chosen as the 2018 winner of the award for small debt counsellors. Ever since then, they’ve been striving to achieve similar awards.

You can depend on SA Debt Help to assist you with any of your inquiries and to provide you with the best debt review service.

Complete confidentiality is guaranteed

At SA Debt Help, you can be at ease knowing that all your details will be kept safe and secure. Once you fill out the application form and submit your details, all of your data will be stored securely.

They also have a team of respectful and competent employees who make sure that you’re respected and happy with the services provided. Therefore, you can rest assured that you’re in safe hands.

Enjoy your financial freedom

When you go through debt review at SA Debt Help, you receive only the best service. You can be confident that SA Debt Help will make it work for you. From one low monthly payment to having enough money for unexpected expenses, they’ll help you ease your debt burden.

Debt review ensures that your monthly payments are reduced while your repayment terms are lengthened.

This will allow you to make your monthly payments without worrying about your financial obligations. They also take the load off your shoulders since all creditors must contact SA Debt Help regarding your debts or any inquiries.

SA Debt Help Services

Why pay more when you can pay less? SA Debt Help has been assisting individuals in the debt review process for years, so they pride themselves on the quality of the services they provide.

The legal process of reducing existing debt to make repayments more manageable is known as debt review. This means they help you by lowering your monthly payments based on your budget.

During this process, the difference on your credit report will be that you’ll be flagged as under debt review. This will prevent you from having legal action taken against you and you’ll be prevented from acquiring further credit. With SA Debt Help, you can be assured that they’ll assist you before, during, and after your application.

Debt review cost and duration

The cost of debt review is calculated based on each client's monthly instalment. The debt review amount cannot exceed R6,000 (excl. VAT). Along with your debt review cost, you’ll also be liable for an after-care fee, which would be 5% of monthly instalments for the first 2 years; thereafter, you’ll be charged a fixed 2% rate.

Factors that influence your repayment term

Four factors will influence your repayment term. Therefore, it’s important to ensure that you don’t miss any payments or due dates. These factors include;

  1. The amounts that you still need to pay the creditors
  2. The interest you pay on each account
  3. The annual increase which was agreed upon for your instalments
  4. The money you have left for repayments.

Should you have the available funds at a later stage, you can simply contact your creditors to request permission for an early settlement.

Upon the approval of your request, you can contact SA Debt Help to cancel your debt review. Once all your debt has been paid in full the credit bureaus will be informed.

SA Debt Help – Debt counsellor

  • Loan Type Debt counselling

Benefits of SA Debt Help

  • Immediately improve your cashflow
  • Protect your assets from repossesion
  • Lower monthly repayment terms

Take a step closer to your financial freedom

You don’t need to look any further when considering debt review.

They’ve made it easy so you can do everything from the comfort of your home or office. You simply need to access the application form on their website and download it.

Basic requirements for a debt review application

  • You’ll need to fill in the application form as requested.
  • Sign a power of attorney and a debit order document.
  • A copy of your identity document (keep in mind that if you’re married in Community of Property, you’ll need to submit your spouse's ID as well.)
  • Proof of income, showing your monthly income.
  • 3-month bank statement.

How to apply at SA Debt Help?

Once you’ve filled in the form and prepared the necessary documents, you can simply email it along with the required documents, and they’ll get back to you.

Another option is an online application. If you have all the necessary documents on your device, you can fill out their online application form and submit the documents. They’ve ensured that the process is convenient and easy to complete no matter where you’re applying from.

Important information for people under debt review

There are some details that you should remember as a consumer under debt counselling. Once you’ve been approved for a certain repayment schedule, you’ll need to keep with the terms that have been stated.

Therefore, if you go through any difficulty or an emergency while needing to make repayments, you should contact SA Debt Help.

Advantages of being under debt review

  • It improves your cash flow
  • You get up to 60% off your instalments
  • They make sure that your assets don’t get repossessed
  • Allow you to save financially in the long run

Customer Reviews & Testimonials

October 2022

I have successfully paid up all my debt with the help of SA Debt Help. They have assisted me right through the application up until my final payment was made. I am officially debt free. Candice L...

Candice L
— Johannesburg —

November 2022

I have never felt this positive when applying for anything in my life, like the moment I applied for debt review. Thank you SA Debt Help, you have truly helped me with my debt.

Caren N
— East London —

December 2022

Being debt free after years of struggling to make repayments, I can honestly say this has been the best experience ever. From the moment I contacted SA Debt Help until the approval of my applicat...

Solo N
— KwaZulu-Natal —

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