Are you over-indebted? Talk to one of our qualified debt counsellors

Call Back for Debt Consolidation Zero Debt | Debt Consolidation | Cape Town, South Africa
  • Apply for debt counselling through one of the leading debt counsellors in South Africa!
  • We protect all your assets based on the National Credit Act.
  • We consolidate your debts and you pay significantly less on a monthly basis.
  • We reduce the interest rates on all your outstanding debt.
  • Pay only what you can afford & free up cash for your quality of living.
  • Free no-obligation debt assessments by our experienced debt counsellors.
  • Zero Debt is NCR registered and offers clients the personal attention that they deserve.

This is what Zero Debt can do for you:

Below is an example of how we assisted Michael & his family to clear their debt. Michael was over-indebted and falling behind on his debt repayments. Calls from credit providers had become a regular occurrence especially at the beginning of a new month. Michael contacted one of our expert debt counsellors and Solomon guided him through the entire debt review application process.

All of his debt was consolidated into a single reduced monthly repayment based on the amount that Michael determined as affordable for him. One of our other team members, Natasha, also immediately took over all dealings with Michael’s credit providers and their debt collectors. Below is a summary of Michael’s monthly debt obligations before & after he decided to appoint Zero Debt as his debt counsellors:

Item Old Payment New Payment Reduction
Property Bond R 2,946.39 p/m R 1,521.49 p/m R 1,424.90 p/m
Vehicle Finance R 3,233.87 p/m R 2,328.39 p/m R 905.48 p/m
Unsecured Debt R 9,736.98 p/m R 3,199.79 p/m R 6,537.19 p/m
Total R 15,917.24 p/m R 7,049.67 p/m R 8,867.57 p/m

* The above table reflects Michael’s debt position – note that you can apply for debt counselling even if you do not have a property bond or vehicle finance.

Our debt review process reduced Michael’s monthly debt repayments by 55.7% from R15,917 to R7,050 thereby making cash of R8,867 per month available to him & his family! We also took over all dealings with Michael’s credit providers and their debt collectors. Appointing an expert debt counsellor who goes out of his way to give you the personal attention that you deserve really does pay off!

“Hi Natasha, I just want to thank you for everything that you did for us. We really appreciate the personal attention that you gave us and your patience in answering all our questions. It is such a relief to know that we have you looking after our interests. God bless!”


Do you have a similar debt problem? Complete our callback form and speak to one of our NCR registered debt counsellors today!

Do you have questions about our debt counseling process?

Why should I consider debt counselling?

If you are over-indebted and falling behind with your debt repayments, debt counselling 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 counselling. Zero Debt also consolidates all your debt into one monthly payment which is affordable based on your circumstances and reduces your interest rates. This means that aside from the protection of your assets, you will also end up paying less for your debt on a monthly basis.

Is debt counselling 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 a consolidation loan. The only realistic & affordable way to prevent you from losing your assets is to go under debt review. Our debt counselling process can offer you immediate asset protection as per the National Credit Act and set you on a course of recovery from debt problems by consolidating your debt into one affordable monthly repayment, reducing your monthly debt repayments & interest and clearing your credit record after you have fulfilled your restructured debt obligations.

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. It is also so that the sooner that you apply for debt counselling, the better. Once a credit provider commences with legal action, there is a risk that the particular debt cannot be included in your debt restructuring plan. Why stress & lose sleep any longer? Request a callback from one of our NCR registered debt counsellors and we can start completing your free debt assessment today!

I am blacklisted. Can I apply for debt counselling?

Yes, you can apply for debt counselling with Zero Debt even if you are blacklisted or simply have a bad credit record. We have helped thousands of South Africans with similar debt problems to become debt free and are experts in the field debt restructuring.

I want to apply for debt counselling. What do I do next?

Complete the callback form or phone us directly to speak to one of our expert debt counsellors today. The debt counselllor will ask you to complete our free debt assessment form so that we can see what your monthly income & expenses look like and what you current debt position is. Once we have received your free debt assessment, your debt counsellor will get in touch to discuss the consolidated, reduced monthly debt repayment amount which you will be able to afford and explain the easy steps that need to be completed in order for us to protect your assets. Your debt counsellor will also answer any questions that you may have and cover the entire debt counselling process with you.

What happens if my creditor providers reject my reduced monthly debt repayment amount?

We have a lot of experience in dealing with credit providers and our debt counsellors have frequently negotiated debt restructuring proposals with all the major credit providers. Your debt counsellor will therefore propose a restructured debt plan which is affordable to you and based on what he/she knows will be acceptable based on your debt position. Zero Debt will then refer your proposed debt plan to their nominated attorneys who will obtain a court order in a magistrate’s court to enforce your restructuring debt plan on your credit providers. This court order is obtained as per the National Credit Act and protects your assets while you are under debt counselling.

Do I need to go to court?

No, you will never have to attend any court proceedings. Zero Debt’s nominated attorneys will obtain the court order for you and the legal fees relating to the court order is included in your reduced monthly debt repayment amount.

Can I apply for debt counselling if I am unemployed?

You need a monthly income in order for us to propose a reduced debt repayment plan to your credit providers. You will therefore not qualify for debt counselling if you are currently unemployed. We therefore suggest that you find a new job and then contact us for assistance with your debt if you are still over-indebted.

What do I tell my creditors when they contact me?

If you decide to apply for debt counselling, we will contact all your credit providers to inform them of your debt review status. If any of your credit providers or even their debt collectors contact you, you can simply refer them to your Zero Debt counsellor and they are not allowed to threaten you or make any demands from you. Zero Debt will handle all contact from your credit providers for the entire time that you are under debt review.

How do I apply for debt counselling if I am married in community of property?

You will need to submit a joint debt review application with your spouse. We cannot process a single application if you are married in community of property and both of you will need to enter the debt counselling process.

Some debt counselling companies claim that they can reduce debt repayments by 60% or even 70%. Can you do the same for me?

The extent to which we can reduce your monthly debt repayment amounts depends on the type of debt that you have. No one can reduce the interest rates on property bonds and vehicle finance to the extent that it would result in a 60% reduction in the debt repayment amount. On unsecured loans, it is however possible to reduce debt repayments to this extent. If your debt therefore consists of only unsecured loans, we can do the same for you but if you also have a bond or vehicle finance, no one will be able to reduce your debt repayments by more than 60%. Any company which is claiming to be able to do so should not be trusted.

Still not sure? Why not speak to one of our NCR registered debt counsellors? Simply complete our Callback Form and a debt counsellor will phone you back at your convenience!