skip to Main Content

Debt Counselling

Professional Debt Counselling Assistance

Alliance Debt Counsellors is a National Credit Regulator ( NCR ) registered dedicated team of Debt Counsellors that are assisting South Africans in debt every step of the way on their part to financial stability. Alliance Debt Counsellors operate all over South Africa with a National Attorney network

What is a debt counselling?

The sole purpose of debt counselling is to get you out of debt, no matter what type of debt it is. Debt Counselling is proven as one of the best methods in helping people free themselves from creditors and bad debt. It’s a government-initiated and approved process, regulated by the national credit regulator. So what exactly does that mean for you? By law, you will be protected through the process of getting out of debt against creditors and the people you owe money, and you will be assisted by a dedicated registered debt counsellor, with years of experience in helping people get out of debt.

What to expect when signing up?

Free Annual Credit Report. See what your creditors see when you apply for credit.
Free Debt Assessment. We help you determine if debt counselling is a good option for you.
Reduced Repayment Plan. We show you how much money you can save on debt repayment.

So, Take Action!

Alliance Debt Counsellors can help you

Eliminate untimely debit orders, late fees and over-limit charges.
Stop creditors harassing phone calls, emails or sms messages.
Build a realistic budget and financial plan you can follow.
Assure you have enough money for living costs each month.
Consolidate all your debt into one easy monthly payment, restructure terms and interest rates as low as 0%.
Get a clearance certificate, to show all your debt is re-payed and your credit record is good again.

Signing up for debt counselling will help you get out of debt, don’t hesitate, change tomorrow by taking action today.

    Call me back

    Let us contact you for a free debt assessment

    Business Hours

    Weekdays 8:00 – 16:00

    Application Form
    Download PDF

    Apply Online
    Sign up for debt counselling

    Don’t just take our word for it

    This is what others had to say about our Limpopo Debt Counselling process

    Service was quiet pleasing, Alliance Debt Counsellors are professional and helped me just as advertised.

    Awesome service, great advice, were a bit skeptic at first about debt counselling, but if it works it works.

    Debt Counselling is an effective solution. It really does help you get out of debt. Thanx Alliance DC

    Not convinced yet?

    Take our Quick Debt Assessment

    Fill in our 2 min Online Debt Calculator and find out whether you are over-indebted or not. This calculator is carefully designed to calculate your income vs. expenses, this will reveal tell-tell signs of unmanageable debt.

    Please complete all 3 fields for the answer to be accurate.

    Debt Counselling Information Center

    Here you will find all the information about Debt Counselling.

    Top 3 Benefits of Debt Counselling

    Pay debt back at a rate you can afford
    Legal protection against creditors harrasing calls and threats
    Clear your credit record increasing your chances of applying for loans

    Top 3 Exclusive Benefits with Alliance DC

    Free annual credit reports with expert advice
    Support no matter where you are in the country
    The backing of professional Debt Counsellors with years of experience

    We negotiate with all major credit providers

    Do you owe money to any of these credit providers?

    Frequently Asked Questions

    About Debt Counselling

    Why debt counselling and not debt consolidation loan?

    Debt consolidation loans are given against your assets. So if you don’t own anything, there is nothing to give a loan against. Debt counselling charges no extra interest, and increases the payback time on the amount you owe. But the best part is, with debt counselling you are protected by law.

    Can my credit providers change their minds after a new repayment agreement has been sign and I am under debt counselling?

    No, they can’t. As long as you stick to your re-payments plan (pay the agreed amount on time and in full) the credit providers has to stick to the agreement made with us your debt counsellor and you. That means they are not able to take further legal action against you, they can’t reposes your assets, you are protected by law.

    Will anyone know I am under debt counselling?

    Definitely not. We take your privacy very serious here at Alliance Debt Counsellors. Keeping your information completely confidential is one of our top priorities. We will not contact you at work or anywhere else unless instructed to do so by you. So unless you tell anyone else, no one will know.

    Is debt counselling a safe process to get out of debt?

    Yes, absolutely. At no stage during the debt counselling process do we or anyone else have access to your money. Your money is paid directly to the NCR accredited Public Distribution Agent (PDA), who distributes the funds to all your creditors. Our fees are taken as the first payment, but does not affect your repayment structure at all.

    Once I've completed debt counselling, will my name be cleared?

    Yes, it will. You will receive a clearance certificate, this is a very big deal. A clearance certificate shows that you have good credit record again.

    The bottom line

    We specialize in getting you out of debt, with a custom solution that will suit your situation & needs!