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Consolidate Your Debt Into One Affordable Monthly Instalment

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What is Debt Consolidation?

Debt consolidation is the process whereby we consolidate all your debt which is owed to multiple credit providers into a single debt with a single monthly repayment at reduced interest rates. Instead of paying multiple credit providers, you now only have to make one reduced monthly repayment for all your debt. As part of our free debt assessment, we will work with you so that you pay only the minimum amount which is required by your credit providers thereby reducing your monthly debt obligations and freeing up cash so that you can maintain your quality of life.

Let us help you consolidate your debt into one affordable payment

We consolidate your debt repayments into one affordable monthly instalment.
You determine the amount of your monthly debt repayment.
Pay only what you can afford & retain sufficient funds for living expenses.
We’ll also reduce your current interest rates!
We can help you even if you are over-indebted, blacklisted or have a bad credit record.
Free debt assessments that are fully confidential.
We are fully compliant with National Credit Act & NCR registered.

Why Choose Zero Debt?

Save Money

By consolidating your debt into one payment and negotiating the best deal with all major credit providers, we can reduce interest rates by up to 60%.

Avoid a Judgement

As soon as you enter a debt restructuring agreement, your credit providers will not be able to take any legal action against you. Our lawyers attend court on your behalf to enforce the repayment plan so that creditors can’t wrongfully terminate your application.

Privacy Guaranteed

From the point of completing your free, no-obligation debt assessment, we’ll treat all your personal information with the utmost of confidentiality and we’ll never contact anyone aside from dealing with your credit providers.

Protect Your Assets

Entering into a debt repayment plan gives you immediate relief from the threat of repossession. Though some creditors may still take a chance and contact you, all you need to do is refer them to us.

This is what Zero Debt can do for you:

This table reflects one of our clients’ debt position – note that we can help you even if you do not have a property bond or vehicle finance.

We reduced this client’s monthly debt repayments by 49.8% from R25,175 to R12,640 thereby making cash of R12,535 per month available to him & his family! We also protected his assets from repossession and took control of all of his dealings with credit providers and their debt collectors.

Free Assessment Form
Item
Property Bond
Vehicle Finance
Unsecured Debt
Total
Old Payment
R 9,260.16 p/m
R 5,272.68 p/m
R 10,641.97 p/m
R 25,174.81 p/m
New Payment
R 6,853.26 p/m
R 3,385.92 p/m
R 2,401.34 p/m
R 12,640.52 p/m
Reduction
R 2,406.90 p/m
R 1,886.76 p/m
R 8,240.63 p/m
R 12,534.29 p/m

Do you have questions about our debt consolidation process?

Debt consolidation is the process whereby we consolidate all your debt which is owed to multiple credit providers into a single debt with a single monthly repayment at reduced interest rates. Instead of paying multiple credit providers, you now only have to make one reduced monthly repayment for all your debt. As part of our free debt assessment, we will work with you so that you pay only the minimum amount which is required by your credit providers thereby reducing your monthly debt obligations and freeing up cash so that you can maintain your quality of life.

You can speak to one of our debt consultants within one business hour of sending us a callback request or you can phone us anytime within business hours. The consultant will guide you through the process, explain how the free debt assessment process works and be able to confirm whether you would qualify for debt consolidation.

Yes, we can do debt consolidation for blacklisted consumers, consolidate the debts of over-indebted consumers and facilitate debt consolidation for bad credit consumers. Simply complete our callback form or phone us directly to start our debt consolidation process.

No. You will not qualify for debt consolidation if you do not earn any income. Not with us and not with anyone else. You need to earn a regular monthly income to be able to qualify for debt consolidation.

You will need to submit a joint 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 consolidation process.

You will never pay us directly. Instead, you will pay your consolidated monthly debt payments to a National Credit Regulator (NCR) appointed payment distribution agency (PDA) which is registered with the NCR and operates entirely independent from Zero Debt. You are therefore ensured of complete trust as regulated by the National Credit Act (NCA).

Yes, our debt consolidation process adheres to all the requirements of the National Credit Act (NCA) and we have been registered with the National Credit Regulator (NCR) since 2009.

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.