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Notice: Debt Sage is operating during the national lockdown. To get more information on COVID-19, visit the SA government portal here.

South Africa’s reliable debt management company

Debt Sage is South Africa’s most reliable and transparent debt counselling company. We are helping our clients take back control of their finances and quality of life by applying for debt review.

Debt Sage is guiding many over-indebted consumers in South Africa to resolve their debt problem and gain financial independence. Our clients are being empowered to live debt free, start creating wealth and retire with dignity.

Benefits of debt review

You pay a reduced monthly amount that you can afford
Save on lower interest rates and fees irregardless of your credit score
Consolidate bills into one manageable monthly payment that pays your debt
Protection of your assets
Protection against legal action
All household expenses are covered
Stops collection calls
Improves your money habits
Flexible, allows you to make extra payments, paying off your debt faster
Focus is on debt elimination

ready to get your finances back on track?

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DEBT solutions you can live with!

Debt Counselling

Helps consumers struggling with debt by reviewing your debt and rearranging payments thereby increasing your cash flow to meet living expenses.

Debt Counselling

Debt Health Check

Knowing your credit status is vital. Debt Sage can pull your credit report and you’ll get an in-depth view of how much debt you have and assess your credit worthiness.

Debt Health Check

Debt Solutions For Your Employees

Employees overwhelmed by debt lead to a negative operational impact. Debt Sage teaches them how to work with their money and gives them the confidence they need to handle their personal financial affairs.

Debt Solutions For Your Employees

Debt Consolidation

Debt consolidation involves taking out a larger new loan to pay off smaller multiple loans and so that one ends up owing money to just one lender.

Debt Consolidation

Debt Management

A Debt Management Plan (DMP) allows you to pay off your debts at a rate you can afford.

Debt Management

Reckless Lending

Reckless lending can lead to a consumer being over-indebted. If you suspect you are a victim of reckless lending we can assess all of your credit agreements.

Reckless Lending

Debt Restructuring

Debt Restructuring involves negotiating with credit providers on behalf of a consumer who is struggling to pay their debt commitments to a manageable monthly payment so that they end up paying off their debt

Debt Restructuring

Debt Settlement

Debt settlement is involves negotiating with creditors and they agree to settle your account for less than you owe.

Debt Settlement

Debt Administration

Debt Administration is a solution that you may have taken in the past to appoint an administrator to collect from you an affordable amount of money at regular intervals.

Debt Administration

What Debt Sage Clients Say...

We’ve helped many consumers improve their financial situation over recent years. Here are some of their stories.

Marianne, Gauteng

I want to thank Lynn at Debt Sage for helping me on my journey to become debt free. I was left deep in debt because of divorce. My ex-husband did not pay off the debts we had accumulated together after the divorce settlement as he was supposed to. I had to pay for the bond as well as look after my children. This was very difficult for me since the maintenance payout was not being paid at all. Not only was the journey challenging but Lynn from Debt Sage’s hands on approach was invaluable. She has a calm and logical method of handling things that truly connected with me. I can’t speak highly enough of Debt Sage.

Avesh, KZN

My business was struggling and could not meet my debt commitments every month. What made me furious was the fact that l was paying credit life insurance for the loans that I had taken. I was given 400 reasons of why they could not pay off the loans as l was self-employed. I wondered why this credit provider made me pay for credit life insurance in the first place. Debt Sage fought for me tooth and nail and l was reimbursed all the payments that l had made for credit life insurance which made a huge difference in my finances. More importantly, I'm on my way to become debt free. Thank you Debt Sage.