Many South Africans have regained financial freedom with Debt Restoration Clinic. Professional, compassionate, and NCR-registered debt counselling.
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If yes, you're not alone. Thousands of South Africans face the same challenges daily.
You find yourself unable to meet your monthly obligations despite working full-time.
Your instalments barely cover the interest, leaving the principal almost untouched.
You feel overwhelmed by bills, statements, and collection calls.
Your journey to debt freedom starts with a single step. Our pre-assessment is confidential, free, and obligation-free.
We are fully compliant with the National Credit Act and POPIA regulations.
Your trusted partner in financial recovery since 2015
Debt Restoration Clinic is a fully compliant, NCR-registered debt counselling practice (NCRDC3306) operating nationwide. We are committed to helping over-indebted South Africans regain control of their finances through professional, ethical, and compassionate service.
Our team of experienced debt counsellors works tirelessly to negotiate with credit providers, reduce interest rates, and create affordable repayment plans that work for you.
To provide every over-indebted South African with access to professional, affordable debt counselling that restores dignity and financial independence.
A South Africa where no individual or family suffers under the weight of unmanageable debt.
Over a decade of helping South Africans escape debt traps.
Your personal debt counsellor guides you every step of the way.
Thousands of successful debt restructures and satisfied clients.
Tailored solutions for your unique financial situation
Full assessment of your financial situation, followed by legal debt restructuring under the National Credit Act.
We identify credit agreements that were granted irresponsibly and challenge them on your behalf.
Our team negotiates directly with your credit providers to secure lower installments.
After successful completion, we help rebuild your credit profile and restore your credit score.
Ongoing support and education to help you build sustainable money management habits.
Automatic protection from legal action, wage garnishments, and asset repossession.
Complete removal of debt review notations from your credit profile once your debt counselling program is successfully completed, restoring your full access to credit.
Your journey to financial freedom in 4 simple steps
Complete our confidential pre-assessment to determine if debt counselling is right for you.
We present a clear proposal and obtain your consent to proceed with debt review.
We negotiate with all credit providers to reduce payments and interest.
You make one affordable monthly payment until all debts are cleared.
The longer you wait, the more interest accrues. Take action today.
Everything you need to know about the process
Debt counselling is a formal legal process under the National Credit Act that protects over-indebted consumers. A registered debt counsellor assesses your financial situation, declares you over-indebted, and then restructures your debts into a single, affordable monthly payment.
While under debt counselling, your name will be listed at credit bureaux as "under debt review". You will not be able to access new credit except for a consolidation loan. However, this is a temporary status that ends when you complete the program.
Take the first step toward financial freedom today.
We're here to help. Reach out to us any way that suits you best.