Helping South African Consumers With Debt!

Avoid blacklisting and bad debt
Avoid legal action against you
Protect and keep your assets

See if you qualify

See if you qualify

Feeling Crushed by Debt? Let’s See If We Can Lighten the Load!

Take our quick, easy assessment to find out if you qualify for help.

Get a lower monthly payment, legal protection from creditors, and one simple instalment... sorted!

The Road To "Zero Debt" Starts Here!

Answer a few questions

Your Path to Financial Freedom Starts TODAY—Let’s Make It Happen! Reach out now, and we’ll help you break free from debt for good.

Lowered Monthly Instalment

Once your FREE consultation is done, we’ll get to work setting up your new One Payment Structure—making things simpler for you!

Enjoy Zero Debt

Your NEW zero-debt life awaits! 95% of our clients become DEBT FREE within 36 – 60 months

Come Join 14,000+ Others Who’ve Already Kicked Debt to the Curb!

Our NCA Accredited partners are helping thousands of South Africans on their journey to Zero Debt!

See if you qualify

What some of our customers have to say...

"Thank you for all your kindness, and your assistance whenever I need it.We are all going through a lot in life but when we have wonderful people like you in life….it just makes such a huge difference in all that we are facing.
Thank you, thank you, thank you!"

Shivanee Dayanand

"Rachael was so very friendly and patient with me. She immediately returned my calls and assisted me.My knowledge about the new technology is very poor, and she guided me through the whole process, not even once being impatient. A huge THANK YOU again!"

Elna Venter

"Thanks very much for everything that your company is doing for me.I really appreciate it. I was close to a heart attack with worry.At least I can sleep easy at night, knowing that all my debt will be taken care of."

Fiona Myburgh

Frequently Asked Questions

What is debt counselling in South Africa?
Debt counselling is a practice that helps individuals that are struggling to repay their debt through a regulated process that offers various benefits that can help alleviate the pressures of over-indebtedness.
The NCA introduced debt counselling as a debt relief measure in 2007 as part of the National Credit Act 34 of 2005 and appointed National Credit Regulator (NCR) as the governing entity.
Before the National Credit Act, 34 of 2005 took effect, South African consumers were at risk of being exploited by unethical credit providers, misinformation and a lack of effective regulation. Impacting all players in the credit industry, the Act also aspires to develop a more accessible, fair and non-discriminatory credit market in South Africa.
So how exactly does debt counselling help over-indebted South African consumers?
- By creating a detailed debt repayment plan
- By providing budgeting assistance and financial advice
- By promoting financial literacy and rehabilitation

How debt review (debt counselling) works
Known as one being one of the best (and safest) ways to overcome debt, debt review is the process of working alongside a debt counsellor to consolidate and repay your debts as outlined in a structured repayment plan.
Debt review is a rehabilitation programme established by the National Credit Act Act 34 of 2005 with the purpose of assisting over-indebted South African consumers.
Here is debt review process step by step:
1. Gather your financial documents for assessment
2. Contact a registered debt counsellor
3. Apply for debt review
4. Confirm the debt repayment plan and begin the repayment process
5. Complete debt review
6. Congratulations, you’re now debt-free!

Text

HOW DO I AVOID BEING BLACKLISTED?
► Pay all your accounts monthly before the due date as arranged with your creditors when opening the account
► Notify all your creditors of a change of address.
► Attend to legal documents and letters immediately.
► Should you be unable to pay your debt, contact your creditor immediately to make suitable arrangements and keep to these arrangements. Where possible have your creditor confirm the new arrangements in writing and keep the correspondence for possible future reference.
► NB: Be careful of what you sign. Peruse documents first and contact us for assistance should you require advice

Our NCR Accredited Partner, with an Expert Legal Team, helping South Africans on their journey to Zero Debt!

See if you qualify

You Qualify For Our Debt Counselling Program

Next you will be contacted by one of My Debt Hero's expert consultants to start the process.

You can expect a call from one of the trusted My Debt Hero consultants within 24 hours.Please answer the call and we will discuss the next steps of your journey to zero debt for good!We will also send you an SMS with confirmation that we received your information.

You Might Qualify For Our Debt Counselling Program

Based on the answers you provided you might qualify for our debt counselling program.