• Independent Public Assessment
  • Latest 2024 Analysis

We have reviewed South Africa’s debt review companies and based on our results these are the Top 3 Debt Review companies.

  • Based on media authority, public reviews, number of years in business, NCR Registration and customer support.
  • Based on media authority, public reviews, number of years in
    business, NCR Registration and customer support.

# 1

  • NCR Registered Provider

98%

Score

WHAT WE ASSESSED

  • Dedicated Relationship Manager
  • NCR Registered

NCRDC474

  • Industry Experience

100%

  • Authority in the Press

95%

  • Duration in Business

Since 2007

4.9/5

4.8/5

10/10

4.9/5

4.8/5

10/10

  • 910 Reviews
  • Trustpilot
  • Hello Peter

Updated Jan 2026

Visit Debt Rescue

# 2

  • NCR Registered Provider

94%

Score

93%

Score

WHAT WE ASSESSED

  • NCR Registration

NCRDC2423

  • Industry Experience

92%

  • Authority in the Press

92%

  • Duration in Business

Since 2020

4.9/5

N/A

8.4/10

4.9/5

N/A

10/10

  • 477 Reviews
  • Trustpilot
  • Hello Peter

Updated Jan 2026

Visit DebtSolutions4U

# 3

  • NCR Registered Provider

90%

Score

WHAT WE ASSESSED

  • NCR Registration

NCRDC49

  • Industry Experience

90%

  • Authority in the Press

90%

  • Years in Operation

Since 2005

4.8/5

N/A

10/10

4.8/5

N/A

10/10

  • 17 Reviews
  • Trustpilot
  • Hello Peter

Updated Jan 2026

Visit Debt Therapy

Why we only show the Top 3

There are hundreds of debt review providers in South Africa. Many look the same online, but their service quality, reputation and outcomes vary widely.

  • We analyse registered debt review providers using real consumer-focused criteria.
  • We remove providers with weak service records or poor transparency.
  • We shortlist the three that consistently perform best for real clients.

We’ve done the hard work for you. If a provider does not
meet our standards, they do not appear here. 

# 1

98%

Score

WHAT WE ASSESSED

  • NCR Registration

NCRDC474

  • Industry Experience

100%

  • Authority in the Press

95%

  • Duration in Business

Since 2007

  • Dedicated Relationship Manager

4.9/5

4.8/5

10/10

  • 910 Reviews
  • Trustpilot
  • Hello Peter

Updated Jan 2026

Visit Debt Rescue

# 2

93%

Score

WHAT WE ASSESSED

  • NCR Registration

NCRDC2423

  • Industry Experience

92%

  • Authority in the Press

92%

  • Duration in business

Since 2020

4.9/5

N/A

8.4/10

  • 477 Reviews
  • Trustpilot
  • Hello Peter

Updated Jan 2026

Visit DebtSolutions4U

position 3

90%

Score

WHAT WE ASSESSED

  • NCR Registration

NCRDC49

  • Industry Experience

90%

  • Authority in the Press

90%

  • Duration in business

Since 2005

4.8/5

N/A

10/10

  • 17 Reviews
  • Trustpilot
  • Hello Peter

Updated Jan 2026

Visit Debt Therapy

Why we only show the Top 3

There are hundreds of debt review providers in South Africa. Many look the same online, but their service quality, reputation and outcomes vary widely.

  • We analyse registered debt review providers using real consumer-focused criteria.
  • We remove providers with weak service records or poor transparency.
  • We shortlist the three that consistently perform best for real clients.

We’ve done the hard work for you. If a provider does not meet our standards, they do not appear here.

Use our independent calculator to estimate your new repayment plan

Start Calculator
Total monthly income
Living expenses
Break down living expenses
Totals update automatically.
Credit and Loan Repayments
Break down credit repayments
Totals update automatically.
Do you own property?
Do you own a vehicle?
Possible monthly savings Move the sliders to see an estimate
Based on affordability inputs only. Not guaranteed.

How we assess providers

Debt review is a legal process. Choosing an unregistered or poorly managed provider can lead to missed creditor payments, extended repayment periods, and financial stress.

Transparency

Clear fee structures with no hidden costs.

Legal Compliance

Full registration with the NCR and industry bodies.

Media Mentions

Credibility is earned. Do the media mention them in a positive way?

Customer Service

Responsiveness and quality of after-care

Dedicated Relationship Manager

Are you just a number or is there someone you can get to know and trust with your finances?

Experience

How long have they been in business. There are many fly-by-nights.

Public Sentiment

Aggregated scores from HelloPeter, Google Reviews, and Trustpilot.

Legal Compliance

Full registration with the NCR and industry bodies.

Media Mentions

Credibility is earned. Do the media mention them in a positive way?

Customer Service

Responsiveness and quality of after-care

Dedicated Relationship Manager

Are you just a number or is there someone you can get to know and trust with your finances?

Industry Experience

How long have they been in business. There are many fly-by-nights.

Understanding debt
review and your options

What is Debt Review?

Debt review is a regulated process in South Africa designed to help consumers who are over-indebted and struggling to keep up with their monthly credit repayments.

Debt review is a regulated process in South Africa designed to help consumers who are over-indebted and struggling to keep up with their monthly credit repayments.

When a consumer enters debt review, a registered debt counsellor assesses their income, living expenses, and credit agreements to determine what is reasonably affordable. Based on this assessment, credit repayments may be restructured into a single monthly payment that better matches the consumer’s affordability.

Debt review is governed by the National Credit Act and comes with specific protections and obligations. Once under debt review, consumers are generally protected from legal action by credit providers, provided they comply with the agreed repayment plan. At the same time, taking on new credit is restricted during the process.

Debt review is not a quick fix and does not reduce debt automatically. Outcomes depend on individual circumstances, existing agreements, interest rates, and negotiations with credit providers. For many consumers, however, it provides structure, protection, and breathing room while they work towards becoming debt free.

Understanding How Assets Are Treated During Debt Review

Debt review is more than a repayment plan. It is a legally protected path that allows you to regain control of your finances while protecting what matters most.

Debt review is more than a repayment plan. It is a legally protected path that allows you to regain control of your finances while protecting what matters most.

Through a structured, court-sanctioned repayment plan, your monthly instalments are aligned with what you can realistically afford. As long as you stick to the plan, you are generally protected from legal action by credit providers. That protection creates breathing room and removes the constant pressure of collection threats.

One of the most reassuring aspects of debt review is asset protection. Your home, your car and other financed assets can remain in your name while you repay your debt in a regulated, responsible way. Instead of losing everything, you are given a fair opportunity to settle what you owe without sacrificing your stability.

Debt review is not a shortcut and it requires commitment. However, it offers structure, legal protection and genuine peace of mind. For many South Africans, it is the turning point between financial crisis and a secure, debt free future.

Frequently Asked Questions

No. This site provides information and affordability estimates only. It does not replace advice from a registered debt counsellor.

No. It provides an affordability-based estimate only. Eligibility is determined through a formal assessment by a registered debt counsellor.

We do regular research to give you the best results as publicly available information changes over time.
We use independent, publicly accessible review platforms and assess consistency and recency rather than short-term spikes that in our opinion gives you a better choise.
Scroll to Top