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National Debt Advisors – Loan consolidation via debt review

• Service type: NCR-regulated debt counselling (debt review)
• Main purpose: Reduce your monthly debt instalments, protect assets where possible, and pay off what you owe in an orderly way
• Structure: One consolidated payment distributed to all creditors through a registered Payment Distribution Agency
• Legal basis: National Credit Act and National Credit Regulator debt counselling framework

In simple terms: instead of juggling several expensive accounts, you work with NDA to get a court-approved plan that turns them into one affordable repayment, with legal backing and professional support.

Benefits of consolidating with NDA

• One structured monthly instalment instead of many scattered payments
• Reduced instalments and, in many cases, lower interest through NCR-approved negotiation
• Legal protection framework that organises creditors and can help shield key assets if you act in time
• No need to visit a branch – the full process runs via phone, email, WhatsApp, and online forms
• NCR-registered counsellors using regulated fees and processes
• Membership of NDCA, which adds another layer of oversight and standards
• Ongoing support until you receive your clearance certificate and exit debt review

Why choose National Debt Advisors?

NCR-registered and legally structured

NDA operates within the National Credit Act framework and appears on the NCR’s Debt Counsellor register under the “National Debt Advisors” trading name. That means the process, documents, and fees follow national rules, not ad-hoc arrangements.

More than a decade of focused experience

Founded in 2013, NDA has spent over ten years concentrating on debt review and counselling rather than trying to do everything financial under one roof. That focus tends to show up in their systems, legal partners, and training.

Recognised among top debt counselling firms

NDA is positioned as one of South Africa’s leading debt counselling companies, with recognition in industry-linked awards and strong review growth on platforms like Hellopeter. While reviews are mixed, as with any large firm, their volume and transparency help you judge performance.

NDCA membership and additional oversight

As a member of the National Debt Counselling Association, NDA is part of a group whose members must use NCR-approved rules (DCRS), registered PDAs, and provide ongoing reporting and client communication. This adds another layer of accountability over and above the NCR.

Remote, South Africa-wide service

You can apply, sign, and manage your debt review from anywhere in the country, which is useful if you’re outside major metros or can’t take time off to sit in an office.

Clear “one payment” approach

NDA leans heavily into the idea of one consolidated instalment, backed by a registered Payment Distribution Agency. For most clients in distress, simplifying cash flow is as important as raw cost savings.

Legal support and reckless lending checks

Their use of specialist attorneys to pick up on reckless lending gives you another avenue of relief if certain accounts were granted irresponsibly. That can reduce your overall burden when the court agrees.

Practical education and content

From YouTube videos to blog posts and media interviews, NDA invests in explaining how debt review and credit actually work. That guidance can help you avoid falling back into old patterns.

Structured path from crisis to exit

The combination of assessment, proposal, court order, and eventual clearance certificate gives a clear start-to-finish path. For many people, simply knowing there is a defined end-point reduces anxiety.

Grounded in a wider debt context

Given that household debt-to-income ratios remain high, working with a specialist that has scale and established processes can make a difference when creditors are tightening up.

FAQs

1. Does National Debt Advisors offer a real “debt consolidation loan”?

No. NDA is a debt counselling firm, not a bank. They do not give you a new loan to pay off old ones. Instead, they use the NCR debt review process to consolidate your payments into one instalment, which is then shared among your existing creditors through a registered PDA.

2. Is National Debt Advisors legit?

Yes. NDA operates under the National Credit Act as registered debt counsellors and appears on the NCR register under the trading name “National Debt Advisors”. They also belong to the NDCA and have a long-running public presence, which you can cross-check via the NCR Debt Help site, NDCA website, and independent directories.

3. Who qualifies for help from NDA?

You generally need to:

• Live in South Africa
• Be over 18
• Have a regular income (salary or stable self-employed income)
• Have multiple credit agreements that you’re struggling to pay

They will check whether you’re formally “over-indebted” – meaning that, after realistic living expenses, you can’t meet current instalments.

4. What kinds of debt can NDA help with?

Debt review typically covers unsecured credit like personal loans, credit cards, store accounts, overdrafts, and some vehicle finance. Home loans can sometimes be included, depending on your situation and the creditor. Fines, maintenance, and student loans may fall outside the process. The counsellor will explain which accounts can be included in your case.

5. Will my monthly instalment really go down?

In most successful cases, yes – that is the point of debt review. Instalments are reduced and terms are extended so that your new single payment fits into a realistic budget. Interest rates on some accounts may also be reduced using NCR-approved rules. The exact reduction depends on your income, expenses, and the mix of debts you have.

6. How long does the NDA debt review process take?

Roughly:

• 1–3 working days for initial assessment and provisional plan
• 2–4 weeks for formal proposal and creditor responses
• Around 2–4 months for the court or consent order, depending on the court roll

The full journey to becoming debt-free often runs 3–5 years or more, depending on how much you owe and what instalment you can realistically afford.

7. What happens to my credit record during debt review?

Once you apply, your profile is flagged at the credit bureaus as “under debt review”. This means you should not be granted new credit until you complete the process and receive a clearance certificate. After that, the flag is removed and your record can gradually recover if you manage credit well.

8. Can my car or house still be repossessed?

Debt review is designed to protect you from losing assets where possible, but it is not a guarantee. If legal action on a specific account started before you applied, that process might continue. Acting early – before summonses and judgements – improves your chances of keeping important assets inside the restructuring plan.

9. How are NDA’s fees charged?

Debt counselling fees are set by NCR guidelines and are usually built into your single monthly instalment rather than charged separately. NDA’s own materials note that their fees are regulated by the NCR, which means you should receive a clear breakdown at the start of your process.

10. What’s the difference between NDA and a bank consolidation loan?

A bank consolidation loan is new credit: the bank settles your existing debts and you repay one new loan, usually secured on your income and sometimes on assets. With NDA’s process, you don’t borrow more; your existing debts are restructured under a court order. The upside is legal protection and no extra credit; the downside is that your credit record is restricted until you finish.

11. Can I leave debt review if my situation improves?

Yes, but there are rules. If you can now pay your debts in full without the court order, or if all debts are settled, a court or the debt counsellor can issue a clearance certificate and have the debt review flag removed. You should not simply stop paying; that could put you back into unmanaged collections.

12. Does NDA help self-employed people?

Yes, provided you can show stable, provable income (for example, through bank statements and invoices) and you meet the over-indebtedness test. The documentation can be a bit more detailed than for salaried employees.

13. Is NDA available outside big cities?

Yes. NDA works nationally via phone, WhatsApp, email and online forms, so location is not a barrier as long as you have a phone and internet access.

14. Where can I see reviews of National Debt Advisors?

You can look at consumer feedback on platforms such as Hellopeter, Google Reviews and social media. NDA has publicly documented using Hellopeter to grow and improve its online reputation, which means you have a long trail of client experiences to read through. As with any provider, expect a mix of positive and negative experiences; focus on patterns, not single stories.

National Debt Advisors application

Do I qualify?

You’re more likely to be a good fit for NDA’s debt review if:

• Your take-home pay cannot comfortably cover both living costs and current debt instalments
• You have at least a few credit agreements (not just one small store account)
• You want to repay what you owe but need structure, legal backing, and payment relief

NDA’s free assessment will test this and advise whether debt review, informal mediation, or another route makes more sense.

Requirements

Typical documentation includes:

• South African ID or valid passport
• Recent payslips or proof of income
• Last 2–3 months’ bank statements
• A list of all credit agreements (loan statements, credit card and store card statements, vehicle finance, etc.)
• Any existing legal notices (section 129 letters, summonses, or judgements)

These give NDA the information they need to build a realistic budget and formal proposal.

Process

1. Complete a quick enquiry online, by phone, or on WhatsApp.
2. Share your documents securely with an NDA consultant.
3. Review the draft budget and proposed single instalment.
4. Sign the formal application if you’re happy to proceed.
5. NDA notifies credit providers and bureaus, negotiates new terms, and moves to court for a restructuring order.
6. You start paying your new single instalment via the PDA and stick to the plan until your debts are cleared.

Timeline

• Short-term (first month or two): Assessment, proposal, and interim protection while creditors are notified.
• Medium-term (2–4 months): Court or consent order granted, locking in the new repayment plan.
• Long-term (3–5+ years): Ongoing repayment until all debts in the plan are settled; then clearance certificate and removal of the debt review flag.

Actual duration depends on your total debt, interest rates, and how consistently you pay.