Too much debt?
Let's stop the bleeding.

Debt Clinic gives you a clear, legal way to lower your monthly payments, protect what you own, and breathe again — without judgement.

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3 years helping South Africans · 1000's of clients assisted

WHY DEBT CLINIC

One affordable monthly payment

We combine everything you owe into a single instalment that actually fits your budget.

Legal protection under the National Credit Act

Once you're under debt review, creditors can't repossess your assets or take you to court, as long as you stick to your plan.

A real person in your corner

Your dedicated debt counsellor deals with the banks so you don't have to.

HOW IT WORKS

1. Free assessment

2. We work out what you can actually afford

3. We apply for debt review and legal protection

4. You make one monthly payment until you're debt-free.

See the full process
Debt Clinic — Savings Calculator
Free calculator

How much could debt review save you?

Enter what you currently pay each month. We'll estimate what a restructured, debt review payment plan could look like — based on typical outcomes for each type of debt.

What you pay now
Estimated new payment

Your potential savings

Current total
R0
Estimated new total
R0
Monthly saving
R0
Decrease
0%

These figures are illustrative estimates only, based on typical outcomes for each debt type — not a quote or a guarantee. Your actual repayment plan is worked out individually by a registered debt counsellor, based on your real income, expenses and credit agreements.

Ready to stop stressing about debt?

Start My Free Assessment