Examples of unsecured debt are credit card debt, personal loans, store cards, etc. Unsecured debt basically includes all debt where the debt is not secured against an asset like a property or a vehicle.

In terms of the National Credit Act, debt counsellors are allowed to lower your monthly instalments by extending your repayment periods and by lowering your current interest rates. We have extensive experience in dealing with a lot of credit providers and know the ins and outs of the process through practical experience – no one is therefore better positioned to restructure your debt repayments!

Zero Debt is registered with the national credit regulator (NCR). Clients or prospective clients are welcome to contact them for confirmation hereof. Zero Debt can also provide you with our debt counsellor’s certificate on request.