Take control of your Debt - Take control of your life
Is Debt holding you back? You're not alone. Thousands of South African face overwhelming debt every day
-- but with the right help, you can break free and start living
South Africa's #1
Most Trusted Debt Review Company
As seen on ETV & heard on East Coast Radio and Jacaranda Radio
At Debt Guidance, we specialise in personalised debt solutions tailored to your needs.
Whether it's reducing your monthly payments, consolidating your debt, or clearing your credit profile, our expert team is here to guide you every step of the way.
Credit Report Analysis
We’ll provide a free copy of your credit report and break it down for you. Understand exactly where you stand and what’s affecting your credit score.
Personalised Repayment
We tailor a repayment strategy based on your unique financial situation, helping you reduce monthly payments, regain control, and breathe easier each month.
Enjoy Peace of Mind
With our expert team guiding you, you’ll see real progress—less stress, improved cash flow, and a path to financial freedom you can trust.
Services Tailored to Your Needs
We'll assess your financial situation, create a manageable repayment plan, and negotiate with creditors on your behalf — all within the guidelines of the National Credit Act.
Our debt review process is designed to help over-indebted South Africans regain financial control.
A structured and legally guided debt review process tailored to your needs.
Creditor negotiations aimed at reducing your monthly payments.
A clear, step-by-step plan to help you become debt-free over time.
ABOUT US
Rebuild, Repair & Improve Your Credit Score!
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HOW WE WORK
How Our Credit Repair and Restoration Works
Review Credit Reports
We assess your credit profile to identify problem areas and find the best way to improve your financial standing.
Personalised Repayment Plan
Based on your income and expenses, we create a repayment plan that works for you—while covering all your creditors.
One Affordable Monthly Payment
We combine your debts into one manageable monthly payment so you can stay on track and avoid missed deadlines.
Negotiate Lower Interest Rates
Our team works directly with your credit providers to reduce your interest rates—often as low as 0%—to help you repay faster.
Watch Your Debt Decrease Every Month
With consistent payments, you’ll see your debt shrink month by month—until you’re debt-free and financially free.
Put a Stop to Creditor Harassment
Once under debt review, your creditors must deal with us—not you. No more threatening calls or stressful letters.
WHY CHOOSE US
10+ Years Helping South Africans Regain Control
Real Results, Real Support
We stand by you every step.
From your first call to your final payment, we’re here to guide, support, and fight for the best outcomes — so you can focus on living, not stressing.
Trusted Expertise
A decade of proven support for South Africans in debt.
Our seasoned team knows the ins and outs of debt relief and negotiations — so you get solutions that work, not empty promises.
Personalised - Not one size fits all
Every plan tailored to your unique needs.
We look at your full financial picture and create a strategy that fits your life, your budget, and your goals — so you can succeed with confidence.
TESTIMONIALS
Our Client Reviews
