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Theo Kleinhans

Dear Zero Debt I want to thank you for assisting in my rehabilitation. It was a scary time for me 5 years ago when it came to a point where I needed to make a plan to get out of debt. I googled to see what I can do and came across a website…
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Get help for your debt: Before it’s too late! Featured on Fin24

Everyone knows the saying “too little too late”. But when it comes to debt review, when is it too late to apply? Debt review or debt counselling is a process in terms of the National Credit Act, Act 34 of 2005, where a consumer who is…
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Zero Debt Provides Top Debt Counselling

Zero Debt ranked among top five National debt counselling firms We are proud to announce that Zero Debt has been ranked as one of the top five National Debt Counselling firms of 2016, at the Debt Review Awards. Firms that are considered for…
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Be weary of reckless lending when applying for credit

The habit of reckless lending from major credit providers is still prevalent. We’ve seen this in the recent headlines with a well-known commercial bank going to court due to its multi loan practices and with other major financial institutions…
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Why debt consolidation is the best option for over indebted consumers

Debt consolidation enables you to only pay what you can afford. Instead of having to pay a number of different credit providers each payment period, a debt consolidation company like Zero Debt can assist you by combining all your existing outstanding…
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What is debt review and how does it help over indebted consumers?

Debt review is a solution that is targeted at over indebted consumers who are struggling with their finances. The National Credit Act (NCA) introduced the debt rehabilitation program (debt review) to protect consumers from the damage that credit…
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What is debt review?

If you are over-indebted and falling behind with your debt repayments, debt review can protect your assets. This debt protection forms part of the National Credit Act. Credit providers cannot take legal action against you if you go under debt…
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Is debt review better than a consolidation loan?

Is debt review better than a consolidation loan? You will not qualify for a consolidation loan if you are over-indebted. Not with us and not with anyone. If your current debt status is that you are over-indebted, you do not have the option of…
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Am I over-indebted?

Am I over-indebted? Are you struggling to repay your debt? Have you fallen behind on your scheduled debt repayments or are you at risk of falling behind in the immediate future? These are signs that in all likelihood you are over-indebted.…
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Is Zero Debt registered?

Is Zero Debt registered in accordance with the National Credit Act? Zero Debt has been registered with the National Credit Regulator (NCR) since 2009. You can view our registration certificate by clicking the NCR link at the bottom of the page.…