From Debt to Wealth
Comprehensive debt counselling that doesn't just eliminate debt — it builds your financial future.
Service 1
Debt Review & Counselling
What is Debt Review?
Debt review (also called debt counselling) is a legal process established under the National Credit Act (NCA) to help over-indebted South Africans regain control of their finances.
As a registered debt counsellor, I assess your financial situation, negotiate with your creditors to reduce monthly payments and interest rates, and create a restructured repayment plan that fits your budget.
Most importantly, while under debt review, your assets are protected from repossession, and creditors cannot take legal action against you.
Benefits of Debt Review
- Reduce monthly payments by up to 50%
- Legal protection from creditors
- One consolidated monthly payment
- Protect your car, home and assets
- Reduced interest rates
- Structured path to becoming debt-free
Who Qualifies for Debt Review?
How Debt Review Works
Free Consultation
We assess your financial situation confidentially. No obligation, no pressure.
Application & Assessment
If you qualify, we gather your debt information and conduct a formal assessment.
Creditor Notification
We notify all creditors that you're under debt review. This protects you from legal action.
Proposal & Negotiation
We negotiate reduced payments and interest rates with each creditor on your behalf.
Court Order
A court order makes your restructured repayment plan legally binding.
Monthly Payments
You make one affordable monthly payment. We distribute it to all creditors.
Debt Freedom
Once all debts are paid, you receive a clearance certificate and emerge debt-free.
Service 2
Wealth Building Program
Our unique partnership with DuePoint brings you AccessWealth — start investing while under debt review.
The "Pay Yourself First" Philosophy
Most people pay all their bills first, then try to save what's left over. The problem? There's never anything left.
The "Pay Yourself First" philosophy flips this approach. By setting aside even a small amount for investment before paying other expenses, you prioritize your future.
Our AccessWealth program makes this possible even while you're in debt review. Start building wealth from day one, so you don't emerge debt-free but broke.
Investment Options
Minimum
R389/month
R100 to investment + life cover
Recommended
R500 - R1,000/month
Balanced approach for most clients
Maximum
R2,500/month
Accelerated wealth building
See the Potential
Monthly Investment
R2,500
Over Debt Review Period
60 months
Estimated Growth
~R200,000
*Estimated based on historical returns. Actual results may vary.
What's Included in AccessWealth
Investment Portfolio
Your money is invested in a diversified portfolio managed by professionals.
Life Cover
A small portion provides life cover, protecting your family.
Mindset Shift
Transition from living on debt to living off your investments.
The Complete Journey
How debt review and wealth building work together for lasting financial freedom.
Assessment
We evaluate your debts and create a restructured plan
Debt Review
Reduced payments + legal protection begins
Invest
Start building wealth through AccessWealth
Freedom
Emerge debt-free with savings and new mindset
Ready to Start Your Journey?
Book your free consultation to see how we can reduce your debt payments and start building your wealth.