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  • Free Debt Assessment
  • Immediate Cash Flow Relief
  • Financial Recovery Plan

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

About DebtSafe

Debtsafe is a leading provider of debt review services in South Africa that has successfully assisted over 30,000 South Africans over the last 12 years.

Dedicated to your financial well-being

They’ve appeared on multiple TV shows and have produced a number of videos and blog articles designed to help consumers with their finances.

This is because while their main aim is to take on debt review cases, they’re incredibly dedicated to ensuring the financial well-being of their customers.

A unique, compassionate approach

If you’re looking for a debt review service provider that will go above and beyond for you, then Debtsafe is the right company for you. They approach all new debt review cases with compassion, efficiency, and expertise.

What can Debtsafe do for you?

If you’re currently struggling to keep up with your debt repayments, despite being employed and earning a regular income, you may qualify for debt review.

This is a process which will help you consolidate all of your debts into one, easy-to-manage repayment. Let’s take a closer look!

What is debt review?

Debt review is a process by which a consumer that is over-indebted can enjoy some relief by having their debts reduced and restructured in a way that ensures they have enough for their living expenses while also paying off their obligations.

The entire debt review process is regulated by the National Credit Act and everything from the requirements to be declared over-indebted, to the fees that service providers will charge, is regulated.

Is Debtsafe reliable?

As mentioned, Debtsafe has been opening for more than 10 years and has thousands of satisfied customers. They’re registered with the National Credit Regulator and their counsellors are among the best in the field.

If you want to deal with polite counsellors who will take care of your finances in a reliable way, then look no further.

DebtSafe Services

DebtSafe specialises in debt review and does not offer any other financial services. While they sometimes refer to their services as consolidation, this must not be confused with the approach of taking out a new loan to cover multiple smaller ones.

Debt review is the process of restructuring your existing debts by negotiating with your creditors. Once your creditors agree to the plan, it is made an order of court. The National Credit Act regulates this entire process.

On the other hand debt consolidation, in the traditional sense will have you taking out a larger personal loan to repay many smaller debts.

While they both have the effect of requiring a single monthly payment, they are very different, and it’s important to know that DebtSafe offers only debt counselling services and not traditional debt consolidation loans.

Is debt review right for me?

If you’re currently earning a stable monthly income, have more than R20,000 in debt, and are struggling to keep up with your repayments to credits, you may qualify for debt review.

The benefits of debt review

  • Free up money for everyday living
  • Debts can be reduced
  • Pay one amount to a payment distribution agency (PDA)
  • You’re legally protected and your creditors can no longer contact you
  • You don’t have to worry about your vehicle or home being repossessed
  • Take control of your spiralling debt situation and rehabilitate yourself in a safe and stable way

CreditGuard as an added layer of security

When undergoing debt review, CreditGuard, an insurance product offered by DebtSafe will ensure that in the event of your death, disability, or retrenchment your dent will be covered up to a set amount.

It also offers a maternity benefit and will repay your contribution for a 3-month period if you’re expecting.

DebtSafe – Debt Counselling

  • Loan Type Debt Review

Benefits of DebtSafe

  • Tailored financial recovery plans
  • One affordable monthly repayment
  • Improved cash flow
  • Repair your credit score

The DebtSafe debt review process

Once you contact Debtsafe, a counsellor will be assigned to you. You can complete a debt review application form and send it to them, apply online or have a counsellor assist you telephonically.

You’ll need to provide supporting documentation to your debt counsellor and make sure to provide them with accurate and complete information regarding your current debts and income and expenses.

Here are a few more reasons to choose DebtSafe

  • They’ve been around for more than a decade
  • Having helped more than 30,000 people undergo debt review, they know what they’re doing
  • DebtSafe is registered with the National Credit Regulator
  • Their debt counsellors are registered, experienced, and have a compassionate approach
  • CreditGuard offers real value
  • They work with the country’s leading attorneys

A respectable, laid-back approach

Unlike other debt review providers, they won’t treat you like just a number and will give you time to decide if you want to undergo the process.

They’ll carefully evaluate your financial situation, and focus on putting together the ideal plan for you.

You can also contact them to learn more about debt review and how the process works. You’ll be under no obligation to proceed until you are ready.

Ready to say goodbye to unaffordable debt?

To begin the process you can complete DebtSafe’s online assessment which will quickly let you know whether or not you qualify for debt review.

If you do, you’ll be guided through a quick and easy application process and a debt counsellor will b in touch to help you.

Remember that debt review, debt consolidation, and debt counselling all refer to the same process. DebtSafe has a user-friendly budget tool available for download on their website which you can make use of.

DebtSafe Contact

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 08:00 – 16:30
  • Saturday 09:00 – 12:00
  • Sunday – Closed