One simple decision can change your life!

Owing money can leave you feeling tired and stressed out – like there is no end in sight. Debt doesn’t care about your responsibilities nor how you’ll put food on the table. Sound familiar? You’re at the right place – Doctor Debt knows what you’re going through – our financial advice and debt payment plans help thousands of breadwinners all over South Africa maintain a debt-free life:

See if you qualify via our simple online application form
A highly trained debt consultant will call to complete the assessment
A customized debt relief payment plan will be created for you
Become debt-free with a 100% clean credit record and live a life worth living

Fill in your details to see if you qualify for our proven debt-relief advice!

Testimonials

We’ve changed their lives, we can change yours too.

Before I heard about Doctor Debt and got help from your company, I had serious debt problems. Your company has helped me manage these debts by reducing the amount I was paying to half which helped me and my family to survive. Even with the clearing of my name you were there as I’m now debt free. I would seriously recommend that people with debt problems allow you and your company to help them. I would sincerely like to thank you for all your help.

ThabaniBergville

Mina noNkosikazi wami sisicwile ezikweletini, sasingakwazi ukukhokhela esibakweletayo. Umngani wasiyalela ukuthi siye kaDT Debt sibone ama Consultant. Sachaza yonke into, bathi bazosisiza.

Basiphatha ngenhlonipho, bangasicwasa. Emva kwesikhashana safonelwa saziswa ukuthi sisizakele nanokuthi base bexoxisana nesibakweletayo. Kusukela ngalolosuku sakhululeka. Sesinemali maje esala kwi-account uma bedonsa isamba esisodwa ngenyanga esincane kakhulu naso.

Kuze kube inamhlanje ukugcina kwakbo imfihlo yakho kusezingeni eliphezulu. Singasho nje singangabazi ukuthi niye kubona ngosizo lwezikweletu.

SiyabongaHammersdale

I would just like to say THANK YOU once again for helping me with my debt. I was so stressed out with my debt that had piled up when I was unemployed and he threats I got when I started working again. I was totally convinced they going to attack my pay cheque. Suicide sounded like an option until you came along. Thanks to you guys I could pay that debt off without the stress and still have money left over to do what I needed to do. Once again, a big thank you for keeping me sane.

VeronicaDurban

Thank you for such a beautiful and inspiring email. Your encouragement and assistance has given me hope again. You are definitely living up to your slogan “to help people”. Have an awesome day.

ChristaPietermaritzburg

What is Debt Review?

Is a debt solution targeted at South African consumers who are over indebted and struggling to manage their finances. A Debt Counsellor will negotiate with your credit providers to accept lower payments over a longer period, and at a lower interest rate. Your payments towards your credit providers will be restructured, and you will be protected from your credit providers taking legal action against you. Doctor Debt will set up a new finely tuned budget for you and will lead you through it step by step.

Because 8 of 10 South Africans experience stressful financial debt, there is nothing shameful about being in debt – it’s a part of life. Doctor Debt can show you a new way to live, a way to make your life manageable again. Learn what you can afford and live a life worth living. Say goodbye to those feelings of dread at the end of the month. Don’t let poor finances own your life – you have the power to stop it right now!

The Doctor Debt Team

Our Debt Counsellor, Corinne Lewis, is very experienced and a highly regarded debt counsellor registered with the National Credit Regulator with registration number NCRDC2224. In practice since 2009, has built a thriving network of support and services delivering first class debt relief to thousands of families country wide.

Our team of consultants has over 100 years’ cumulative experience in the debt review industry. Our goal is simple: to help people. With us as your partner you can experience freedom from debt and go on to achieve your own goals and lead a life worth living. From first application to final court order we smooth out the process and deal with your credit providers. We’re always on hand to help you!

You are also part of our team, every step of the way! We need you to stay involved – it’s essential for a successful debt review. It’s your responsibility to check your monthly statements, stick to your budget and communicate with us. Together we can help you become completely debt free in the shortest, sustainable time frame. Financial freedom can be yours – Doctor Debt will help you get it.

How it works

Your consultant will help you complete these steps one by one and in greater detail. These are the steps and timescales of an average debt review:
Your application can be done from the comfort of your own home
Make your monthly payments, stick to your budget and be a part of the process – healthier finances and freedom from stress will follow
Click here to see if you qualify for our proven debt relief advice

What does Debt Review cost?

The only cost to start the process is a once-off R50 application fee which is included in your first payment – all other costs are built into your debt review
We pride ourselves on transparency. You know exactly what costs to expect throughout
Costs are calculated as per the guidelines set by the National Credit Regulator
Please navigate the sections on the right to learn more about the costs

Professional Fee - Section 86

Doctor Debt’s fee for assessing your application, preparing your customized debt relief payment plan and providing support to you throughout the process. This once-off cost is tailored to what you can afford and can never exceed R8000 (excluding VAT) for a Single Application and R9000 (excluding VAT) for a Joint Application. Remember this cost will be included in your debt review plan and is usually collected on the first pay day following your entering debt review.

Section 87 Fees

The Legal part of your debt review requires that your case is set before a Court with jurisdiction for a consent order or court order. The Section 87 fee is capped at a maximum of R4500 (excluding VAT) and covers your lawyer, disbursements, drafting costs, set down costs, costs of service and all the other processes associated with an application to court for the Debt Review Court Order. This cost is included in your debt review plan and is usually collected on the second pay day after you enter debt review and any shortfall is included in your debt review at 0% interest.

Aftercare Fee

To maintain your debt review, there is a charge equal to 5% of your distribution for the first 24 months and then 3% per month thereafter. Depending on your specific case this costs a minimum of R50pm to a maximum of R400pm (excluding VAT). This cost is included in your debt review plan.

PDA Fee

By law funds for debt review must be distributed by an NCR registered Payment Distribution Agent. We use NPDA and HYPHEN. PDA fees account for a minimum of R50 to a maximum of R400pm. The PDA fee is included in your debt review plan and excludes VAT.

FAQ’s

Who Qualifies?

If you are 21 years or older, living in South Africa and earning an income, you can apply for the debt review process. If you are unable to meet your credit obligations or find your financial life spinning out of control – Doctor Debt may be able to help you. The sooner you speak to us the sooner we can help!

How do I Apply?

See if you qualify by filling in our online application form, printable application form, email us, phone us or just pop into one of our conveniently located branches. Whichever way you choose to get in touch, a friendly consultant will be on hand to assist you every step of the way.

How Does it Work?

If you have completed the necessary documentation, we’ll start by analysing your budget to determine if you qualify for debt review. The shortfall between your income and expenses will be structured such that you can manage your life again, make consistent debt repayments and still have money to live.

What does it Cost?

The only cost to start the process is a once-off R50 application fee which will be added to your first payment. That’s it. The cost of your personalized debt review is built into your monthly repayment plan. Our fees are structured to the guidelines set out by the NCR.

Is this a loan?

No, this is a negotiated process in which your current debts are re-structured in such a way that you can afford to pay them back within your budget.

Is this debt consolidation?

No. Debt consolidation can sometimes put you further into debt for a longer period. Our aim is to help you eradicate your debt altogether in the shortest possible time. We do not advise debt consolidation.

I’ve been summoned to court, does debt counselling cover this?

No, it does not. However, in our experience, attorneys and creditors may respond favourably to the debt review programme and often agree to have this included in the debt review process where the repayment offer is reasonable.

When can I start Debt Counselling?

Immediately after completing and signing a Form 16 and submitting a copy of your Identity Document. Should you qualify, your application will be processed immediately.

Will I be listed on the Credit Bureaus?

Yes, once your application is complete you will be listed. All your credit providers will be notified that you are undergoing the debt review process and that they may not lay a claim to your assets, bother you or force you to pay your debt – you can refer them all to us.

Contact Us

Fill in your details to see if you qualify for our proven debt-relief advice!

Scottburgh, Southern Durban Areas to Hibberdene

20 Thira Village, 132 Scott Street, Scottburgh, 4180
Tel: 039 940 0840
New Business: FREE SMS “DD” 30772 and a Consultant will call you back
Helpdesk: 087 057 3228
Umlazi, Jacobs, Mobeni, Bluff, Amanzimtoti to Hibberdene, incl Kokstad, Ixopo, Highflats and surrounds

Lower KZN & Eastern Cape

781 Shad Place, Shepstone Road, Shelly Beach, 4265
Tel: 039 940 0860
New Business: FREE SMS “DD” 30772 and a Consultant will call you back
Helpdesk: 087 057 3228
Hibberdene to Wild Coast Sun, including Port Edward, Bizana and Umtata

Ladysmith, Central KZN & Midlands

16 Hunter Road, Ladysmith
Tel: 036 940 0230
New Business: FREE SMS “DD” 30772 and a Consultant will call you back
Helpdesk: 087 057 3228
Ladysmith, Newcastle, Colenso, Bergville, Winterton, Mooi River, Estcourt, Ulundi, Nongoma, Eshowe, Vryheid and surrounds