debt breakers

Let us help you break free

Benefits of Debt Review

How Debt Breakers can rescue you from your monthly debt repayments.

Only pay what you can afford

If you cannot afford your current monthly debt repayments you cannot be forced to pay it.

Prevent blacklisting

When you are registered for debt review no creditor may blacklist you

Keep your Assets

No Creditor is allowed to reposses your home, car or assets when you are under debt review.

Legal Protection

You are protected by the National Credit Act once placed under debt review

Become debt free without borrowing

Debt Breakers will ensure that you become debt free without borrowing again.

Live a healthy life

Worrying about debt will be a thing of the past.

Debt Breakers is a registered debt counselling firm, we have been operating since 2010 and have assisted thousands of over-indebted consumers in South Africa.


Budget Advice

A comprehensive analysis is done by one of our dedicated registered Debt Counsellors.


Debt Breakers will reduce your entire monthly debt repayments into one affordable monthly payment.


We have all the resources to even reduce your credit interest outstanding to creditors


  • Contact Debt Breakers

  • Give your payslip, your ID document and all your monthly repayments to the debt counsellor. You'll also need to provide a monthly budget of other expense, such as food and petrol.

  • Our debt counsellors will work out if you are over-indebted (if your payments are simply unaffordable on your current income).

  • Our debt counsellors will crunch the numbers with you and work out how much you need to live on and what is available to repay debts. A provisional repayment plan will then be calculated for you.

  • Once you have accepted the provisional repayment plan. Our Debt Counsellor will contact your credit providers informing them of your application and retrieve the exact balances, interest and addition information from them.

  • New agreements will then be reached between our Debt Counsellor and your credit providers on your behalf. The final repayment plan will then be submitted to our Payment Distribution Agency.

Our Debt-Free fans


Frequently Asked Questions

The answer is undoubtedly that debt review is a very good thing for over-indebted consumers. In the long run, this is actually a very good thing, as it prevents you from racking up more debt and helps you become debt free.

To qualify for debt counselling, you need to be over-indebted – that is, you are unable to meet all your financial obligations in a timely manner.

If, before you applied for debt counselling, you were in default and a credit provider began legal proceedings against you, that debt can be excluded from debt review. This underlines the importance of applying for debt counselling before it is too late.

In duplum, in our common law, limits the interest that a creditor may charge on an account in arrears. The common law rule holds that interest stops accumulating once the unpaid interest equals the outstanding debt.

You will experience the relief that Debt Review offers immediately. We will work out an affordable provisional repayment plan for you within the first 5 days.

No, while you are under Debt Review, your Credit Providers cannot “blacklist” you. However, if the “blacklisting” takes place before you apply for Debt Review, it will reflect on your credit record

You can still contact us. There might be other means of assisting you. The sooner you contact us, the better our chances are of finding a workable solution for you.

Get in Touch

Call Us : 0861 735 433
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