Debt Cartel Solutions
TRUSTED · ETHICAL · SOLUTIONS
Debt review is a legal process under the National Credit Act that protects you from legal action while you repay your debt on one affordable, restructured monthly plan.
Free. No obligation. Takes under 60 seconds.
A legal, structured way to regain control — recognised and protected under South African law.
Creditors cannot take legal action or repossess assets while you're under an approved plan.
Your repayments are restructured to fit what you can actually afford.
Instead of juggling multiple creditors, you make one monthly payment that's distributed for you.
Your debt counsellor negotiates better terms with your creditors on your behalf.
An honest look at when debt review makes sense — and when it might not.
Clearing up the myths that stop people from getting the help they need.
Not true. Debt review is designed to help you keep your assets while restructuring your debt. As long as you maintain payments, your assets are protected from repossession.
No — these are different processes. Debt review is a voluntary process under the NCA and offers more flexibility and better protection than administration.
Once you complete debt review and receive your clearance certificate, you can apply for credit again, with a record showing you successfully completed the process.
"The calls from creditors stopped almost immediately once I was registered. I could finally breathe again."
"One payment a month instead of five different accounts. It simplified everything and the amount was actually manageable."
"They explained the whole process clearly before I committed. No pressure, just honest information."
Typically between 3 to 5 years, depending on your total debt and repayment capacity.
Yes, it's noted while you're under the process — but this is often preferable to defaults or judgments, and the flag is removed once you complete the process.
No, you cannot take on new credit during the process, so you can focus on becoming debt-free.
Yes. There's no cost and no obligation to proceed after your free assessment.
This information is provided for educational purposes only and does not constitute legal or financial advice. Debt review must be conducted by a registered debt counsellor in accordance with the National Credit Act.
Debt Cartel Solutions provides guidance and support services. For formal debt review services, you will be referred to a registered debt counsellor. Individual circumstances vary, and outcomes cannot be guaranteed.
A free, confidential assessment is the fastest way to know if debt review is right for you.