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  • Tailored Payment Structure
  • Reduced Debt Instalments
  • Lower Interest Rates

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Author DCGsa. Screenshot of DCGsa website.
[Accessed May 9, 2023]

About DCGsa

Debt Counselling Group South Africa (DCGsa) is a proudly Eastern Cape-brewed company specializing in debt review.

With the cost of living at an all-time high, many people find themselves in difficult debt situations and in need of help.

If you’ve reached a point where you feel you need to seek help, and you're constantly being harassed by debt collectors and simply don’t have enough income to cover all your repayments, DCGsa can help by being with you every step of the way.

Confidential debt review services

DCGsa offers an effective, confidential approach that assists consumers who’re embarrassed and ashamed to talk about their debt problems.

With there being a stigma associated with debt, the entire DCGsa team assures consumers feel supported and comfortable talking about their money problems.

They do more than what’s required when dealing with consumers, and you can expect quick responses to any of your debt review queries.

How DCGsa helps consumers

Even when you’re facing difficult times, you can count on DCGsa to help you fix your financial condition and take control of your finances.

A member of the DCGsa team will assess your current situation and steer you in the right direction, so you can make a decision that’s aligned with your needs. To date, they’ve awarded more than 600 clearance certificates, meaning they’ve aided hundreds of South Africans in becoming debt-free.

Special initiatives supported by DCGsa

As a company that’s always looking to promote human welfare, the DCGsa team are involved in several special activities and campaigns.

  • The Reach for a Dream Slipper Day: Is a charity event hosted by Reach for a Dream and is specifically for children battling life-threatening diseases.
  • Members of the DCGsa team attend Anti-Fraud and Corruption Awareness Campaign: These are educational sessions that equip attendees with useful insights regarding conducting ethical businesses.
  • DCGsa gives away great prizes to consumers: DCGsa holds marketing campaigns in malls to find out more about consumers and their thoughts on debt review, while also giving away amazing prizes.

DCGsa Services

Have you been getting threats about the repossession of your valuable assets?

Have you been issued with a Letter of Demand or Section 129?

Do you have repayments that are in arrears?

DCGsa noticed that most consumers who answer yes to any of the above questions, usually need help and could benefit from debt counselling.

Secure your assets with DCGsa

The present situation in South Africa is difficult, and many people have been skipping payments as means to survive. Credit providers are legally authorised to take action with a view to repossessing your valuable goods if you’ve skipped payment.

If you’ve missed payments on your car or house, and you’re worried about them being repossessed, this is when you quickly need to apply for the free debt assessment offered by DCGsa.

Once you’ve been served with either a Letter of Demand or a Section 129, you need professional assistance to resolve your money troubles.

You need to do this before credit providers take legal action against you and move to the next step, which is repossessing your assets and serving you with a Summons.

Signs that you’re over-indebted

You’re regarded as being over-indebted when after paying your important expenses such as food, medical bills, rent, school fees etc. you can’t cover your debts.

Remember, you have the right to get help when you’re sinking deep in debt, speak up and seek professional advice. This is not the end of the road for you, there’s a way forward.

Signs that you’re highly indebted

  • When you start using your overdraft or credit card to pay your debts and buy goods and other essentials.
  • You’re a regular visitor at lending institutions as you need to pay your other debts.
  • You’ve gone into a habit of missing payments on other accounts just so you can pay others.
  • You’re no longer able to pay your bills every month end.
  • You’ve been served with summons and letters from lawyers or creditors.
  • You’re contemplating going under administration.
  • Judgements have been granted against you.

According to the NCA, while you're under-debt review, creditors are not allowed to torment you. There are cases where there’s a delay in creditors being notified that you’ve been placed under debt review. If they do contact you, you should send any documents from your creditors to the DCGsa team to deal with.

DCGsa – Debt Counselling

  • Loan Type Debt Review

Benefits of DCGsa

  • Reduce monthly debt repayments
  • Get better interest rates
  • Protect your assets
  • Protection against creditors

Important factors to know when you’re under debt review

When you’ve been placed under debt review, you can’t lose your car or home. Being under debt review can in fact save your assets from being repossessed.

One of the benefits of being under debt review is when you adhere to your payment arrangement, you get to keep your possessions.

These are some indications that determine this:

  • If you’ve obtained a Section 129, you need to determine how many days these have been served as you’re only given 10 days to get professional help from a debt counsellor, who’ll attempt to save your goods.
  • What is the number of cars you possess, and what’s their functionality? There are assets that have to be returned to the bank, such as luxury vehicles.
  • If you’ve been served with Summons regarding your existing bond or car finance.
  • Are you fully devoted to the debt review programme?

There’s no need to fight this fight on your own. To be in an improved position and to save your assets, choose DCGsa to propose a strategy that can work for you.

DCGsa has an online application form which will require you to fill in the following details:

  • Name
  • Contact details
  • Email address
  • Employment status
  • Salary bracket
  • Preferred language

Once you’ve filled in all the necessary details, they’ll contact you to proceed to the next steps.

Does being under debt review jeopardize credit rating?

While you’re under debt review, you’re no longer eligible for any further credit. Initially, your credit bureau status will reflect that you’ve chosen to go undergo debt review. Once you’ve settled all your debts, you’ll be awarded a clearance certificate, which means you now have a clear and clean record.

Pay at a rate affordable to you

You might be asking yourself how long it would take for DCGsa to improve your current condition. This will vary as everyone’s case is unique.

Since you’re dealing with seasoned debt review experts, you can expect an immediate recovery of your finances. You’ll be offered a sensible budget that allows you to pay your creditors at an affordable rate suitable to you.

DCGsa Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 07:30 – 16:30
  • Saturday 08:30 – 13:00
  • Sunday – Closed