Clear My Debt
Overwhelmed by Debt? Connect with a NCR Registered Debt Counsellor.
Free confidential matching service. We connect you with qualified, NCR registered debt counsellors in your area who can help you become debt-free under South Africa's Debt Review process.
Your Path To Debt Relief.
3 easy steps to connect with a debt counsellor
First, we’ll give you a quick assessment call within 24 hours—a short, confidential conversation to understand your situation and determine whether debt counselling is the right solution for you. If you qualify, we’ll match you with a registered debt counsellor in your area who will review your financial details and schedule an appointment at a time that suits you. During the consultation—whether at your home, office, or online—you’ll receive expert advice and a personalised debt relief plan tailored to your needs.
The Difference Expert Guidance Makes.
Why registered debt counsellors get better results
Trying to manage your debt on your own often fails — not because you don’t care, but because you don’t have the legal knowledge, experience, or lender relationships that professional debt counsellors do.- Debt counsellors bring a clear advantage:- They understand the National Credit Act inside and out.- They already work with major banks and credit providers.- They know how to get your plan approved by a magistrate.- They offer legal protection from the very first day.- And they can often negotiate far better payment terms than you can alone.The results speak for themselves:94% success rate with professional debt counsellors (compared to just 23% for DIY negotiations)An average 55% reduction in monthly payments98% of repossessions are prevented through legal protectionDIY debt management is overwhelming, legally risky, and often rejected by creditors.Professional debt counselling gives you a structured, court-approved plan, legal protection, and the real possibility of reducing your debt repayments by 40–60%.
Meet Your Debt Counselling Experts.
NCR-registered professionals across South Africa
We've partnered with experienced, registered debt counsellors in all major cities and towns across South Africa. Every counsellor in our network is:Qualifications & Standards:
- NCR-registered and compliant
- Minimum 5 years debt counselling experience
- Up-to-date with latest National Credit Act regulations
- Proven track record of successful debt review cases
- Committed to ethical, client-first serviceGeographic Coverage:
- Gauteng: Johannesburg, Pretoria, East Rand, West Rand
- Western Cape: Cape Town, Stellenbosch, George, Worcester
- KwaZulu-Natal: Durban, Pietermaritzburg, Newcastle
- Eastern Cape: Port Elizabeth, East London, Grahamstown
And counsellors in all other provincesService Promise:
Your assigned counsellor will explain everything in plain language, never pressure you into debt review, and ensure you understand all your options before making any decisions.Verification:
All our counsellors can be verified at ncr.org.za using their registration numbers.
If Debt Is Controlling Your Life, You Have Options.
Problem Points
✓ Struggling to make minimum payments on credit cards and loans
✓ Receiving calls from debt collectors and legal firms
✓ Considering sequestration (bankruptcy) as your only option
✓ Monthly debt payments taking most of your salary
✓ Credit record damaged from missed payments
✓ Feeling overwhelmed
Start Working With The Right Debt Counselor Today.
Debt Review Can Help
Under South Africa's National Credit Act, debt review (debt counselling) can legally reduce your monthly payments, stop legal action, and protect your assets. But finding the right NCR registered debt counsellor who understands your situation is crucial. We connect you with experienced, qualified counsellors in your area at no cost to you.
"I was matched with an amazing debt counsellor in Joburg who helped me get debt review. My monthly payments dropped from R8,500 to R3,200. This service saved my life."
Nomsa K., Johannesburg
"The assessment call took 10 minutes and they immediately understood our situation. Within a week I was meeting with a debt counsellor who explained exactly how debt review would work for us. Our monthly payments were reduced and kept our house."
Pieter & Anelize V., Cape Town
"I thought I'd lose everything. The debt counsellor I was matched with explained debt review properly and now I'm on track to be debt-free in 4 years instead of never."
Thabo M., Durban
Don't wait until it's too late - debt problems only get worse over time. Legal protection through debt review is most effective before accounts get handed over to attorneys.
Thank you!
Your details have been received.We’ll contact you within 24 hours for your free, confidential assessment with a registered debt counsellor.
If debt review isn’t right for you, we’ll tell you honestly and suggest alternatives.