CALL OUR EXPERTS:debt-sage-south-africa-contact-us-phone-us.svg010 005 5350  OPERATING HOURS: Mon to Fri: 08h00 - 17h00; Sat: 09h00 - 13h00 

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 problems 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 regardless 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 as it allows you to make extra payments, paying off your debt faster
  • The focus is on debt elimination 

ready to get your finances back on track?

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What is Debt Review?

Debt review is a formal legal process that helps over-indebted consumers who are struggling to meet their monthly debt obligations. A debt counsellor approaches your credit providers on your behalf with a manageable monthly amount for a maximum period of 60 months.

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WHAT IS A DEBT REVIEW CLEARANCE CERTIFICATE?

A debt review clearance certificate is a certificate that verifies that a consumer has satisfied all obligations under every credit agreement that was subject to debt review court order or debt review repayment agreement (excerpt mortgage loan).

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HOW LONG WILL I STAY ON DEBT REVIEW?

The number of years one will stay on debt review depends on a number of factors and key among the factors is the monthly contribution amount and total outstanding debt.

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WHAT IS THE DIFFERENCE BETWEEN DEBT CONSOLIDATION LOAN VS DEBT REVIEW?

Debt consolidation is the act of taking out a new larger loan to pay off smaller multiple loans. The goal with debt consolidation is simply to roll all your different loans or credit card payments into one single payment.

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HOW DO I WITHDRAW FROM DEBT REVIEW?

Debt review removal involves a process whereby the debt counsellor issues a clearance certificate to a consumer who has finished paying off their debt that was listed as under debt review. 

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WHAT HAPPENS TO MY CREDIT SCORE WHILE UNDER DEBT REVIEW?

As per section 86 of the National Credit Act (NCA) No. 34 of 2005, an order for debt review given by the National Consumer Tribunal or the Court, the credit information must be retained by credit bureaus from the date of commencement of the event until a clearance certificate is issued.

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CAN I GET A DEBT CONSOLIDATION LOAN WHILE UNDER DEBT REVIEW?

Under the National Credit Act (NCA) Act No. 34 of 2005, applying for a debt consolidation loan for people under debt review is deemed to be reckless lending.


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WHAT ARE THE ADVANTAGES AND DISADVANTAGES OF DEBT COUNSELLING?

The National Credit Act (NCA) of 2005 introduced debt counselling as a measure to assist consumer struggling to service their debt. Debt Sage has been helping many consumers become debt free through taking advantage of debt counselling. There are numerous advantages for debt counselling and we discuss them here.

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WHY CHOOSE DEBT SAGE

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Free consultation and
no upfront fees

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Free credit report
and debt assessment

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Free debt advice so that you
make the right financial decisions

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Provide support
until debt is settled

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Our Debt Counsellors are registered by the National Credit Regulator (NCR)

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Earn R400 cash when
you refer someone to us

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