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Tell us how to reach you
Share your basic contact details, then answer a few simple questions about your monthly finances.
Start my assessment →
Registered · Confidential · Court-guided
A real counsellor. A clear plan. Every step visible.
Alliance helps over-indebted South Africans understand their options, protect what matters and move toward one affordable repayment—without taking another loan.
Confidential from the first step
No documents needed to begin
Your information is handled carefully
Debt review can create legal structure around an unaffordable situation.
National Credit Act · Section 86
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One structured paymentA plan based on your household’s affordability.
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A named counsellorWillem Nel · registered under NCRDC1593.
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A visible legal journeyFrom Form 16 to proposals, payments and clearance.
Alliance Debt CounsellorsPolokwane & PretoriaNCRDC1593
01
Understand your positionStart with a simple check of your household figures.02
Choose knowinglyYou decide whether to apply after everything is explained.03
Know what comes nextGet clear guidance at every stage of the process.04
Finish properlyKeep the records needed for lawful clearance.Start with clarity
Use the calculator
Debt pressure is a calculation—not a character flaw.
The right starting point is to compare household income, essential living costs and contractual repayments honestly.
2
See the warning signals
Understand whether repayments are leaving too little for essential household expenses.
Understand my options →3
Speak to a real person
Willem can review your result and explain the possible next steps in a confidential conversation.
Meet your counsellor →Every step explained
See the complete process
Know what happens before you decide.
Debt review is a legal process. Alliance explains each step in plain language so you can make an informed choice.
Step 1Talk
Understand
We look at your situation and explain the available options.
Step 2Choose
Apply
You decide whether debt review is right for you.
Step 3Review
Assess
Your income, living costs and debts are carefully checked.
Step 4Plan
Restructure
An affordable proposal is prepared and legally confirmed.
Step 5Clear
Complete
After the qualifying debts are settled, formal clearance follows.
Personal support
A registered counsellor you can speak to.
You should know who is advising you, understand what you are signing and have somewhere to turn when you need an answer.
- You will know your counsellor's name and registration number.
- Physical offices in Polokwane and Pretoria.
- Plain-language explanations before signatures.
- Clear updates so you know what has happened and what comes next.
- Honest guidance without guaranteed savings or instant-fix promises.
Answers that matter
Clear answers to the questions families ask first.
Practical guidance for the moments when creditor calls, arrears or legal notices make everything feel urgent.
Can debt review protect my home and car?
Understand when protection applies, what it does not mean and why timing matters.
Read the guide →What does debt review cost?
Application, assessment, legal, after-care and payment-distribution costs explained without jargon.
See the cost guide →How does Form 19 clearance work?
Paid-up letters, clearance certificates and credit-bureau updates at the end of the journey.
Understand clearance →Local when you need us
Two offices. One accountable practice.
Begin digitally, continue on WhatsApp or meet in person.
Polokwane
110 Library GardensGrobler Street
Polokwane
Pretoria
MindSpace, Suite 408Hatfield Mall
Hatfield, Pretoria