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Why Choose DebtBusters?

If debt keeps you awake at night, you’re not alone—lots of South Africans feel that same money pressure. But here’s the bright side: there’s real help out there, and it actually works. DebtBusters has been standing by people for years, walking them through debt review to get their money troubles under control. Here’s why so many folks stick with them:

A Track Record That Speaks for Itself

DebtBusters started back in 2008, and since then, they’ve helped thousands upon thousands of South Africans climb out of debt. They know the stress—the sleepless nights, the constant worry—and they bring simple, everyday solutions that really help people get back on their feet.

Reduced Monthly Payments

What if your monthly debt payments dropped by nearly half? That’s what DebtBusters tries to do when they talk to the people you owe money to. They push to lower those interest rates and set up a payment you can handle—one that doesn’t leave you feeling squeezed. It’s about giving you room to breathe while you work toward a life without debt.

A Break from the Phone Calls and Threats

Here’s something you’ll notice fast: once DebtBusters steps in, those nonstop calls and scary letters from creditors just stop. Debt review builds a shield around you, so you can focus on fixing things without all that noise and hassle in your ear.

Experts Who’ve Got Your Back

Debt can feel like a puzzle you can’t solve, but you don’t have to face it alone. DebtBusters has a team of smart, trained people who know this stuff inside out—they guide you through it, giving advice that fits your own situation. It’s like having someone who’s done this a hundred times showing you the way.

A Process That Doesn’t Drag You Down

Nobody wants to deal with piles of paperwork or extra stress. DebtBusters takes care of all the tough bits—talking to creditors, sorting out the forms—so you don’t have to. They make debt review feel like a clear, easy road ahead, not a big, tiring slog.

A Name You Can Count On in South Africa

With years of experience, plenty of awards under their belt, and tons of happy clients, DebtBusters has built a name you can trust across South Africa. They’re not just some random company—they’re a lifeline people turn to again and again.

If debt’s dragging you down and you’re ready for a change, DebtBusters offers a sensible, steady way to deal with it—one that keeps your house and car safe and your head clear. They’re not chasing fast tricks; they’re about real steps that help you get stronger, bit by bit.

DebtBusters FAQ

What is debt review and how does it work?

Debt review is like a helping hand when your money’s spinning out of control. DebtBusters sends someone to sit with you, look at what you earn, what you spend, and what you owe. They talk to the people you owe money to and try to fix things—maybe lowering how much extra they charge you or giving you more time to pay. It’s about making your monthly bills feel lighter. DebtBusters, a big name here in South Africa, knows this stuff well and makes it fit your life so you can take charge again.

How do I know if I have too much debt?

If your salary disappears into bills and you’re still short on basics like food or rent, you might be in over your head. It’s when you look at your money and it just doesn’t work out. DebtBusters can take a close look for you, figure out if it’s too much, and tell you straight up what you can do next.

What’s that Section 129 letter?

It’s a letter from someone you owe, saying you’re late and they might take bigger steps—but it also mentions debt review as a way out. DebtBusters can grab it and sort it out with you, so you’re not facing it alone.

Does debt review hurt my credit score?

Yeah, it’ll show up on your credit report as “under debt review,” and that might pull your score down a bit at first. But here’s the good part—if you keep going and pay it off, you’ll look better down the road. It’s a small hit now for a bigger win later.

Can I get new credit during debt review?

Nope, sorry. DebtBusters can’t let you borrow more—it’s a rule to stop you from adding to the pile and keep your eyes on paying off what’s already there.

Will I lose my house or car in debt review?

Not if you keep up your end. DebtBusters puts a safety net around your stuff—like your house or car—so it stays with you as long as you stick to the new payment plan they set up.

How does debt review change my monthly payments?

It’s about taking the pressure off. DebtBusters talks to the people you owe, trying to lower what they charge or give you more months to pay, so your bill each month feels easier to handle—like a lighter load to carry.

What if I miss a payment during debt review?

That’s a bit of a stumble. If you skip one, the people you owe might try to pull you out of debt review, and that could mean trouble—like them coming after your stuff. It’s best to stay on top of it. If you’re worried about missing one, call DebtBusters quick—they’ll try to sort something out with you.

How much does debt review cost?

It costs a little, but it’s kept fair by the National Credit Regulator. With DebtBusters, you’re looking at R50 to kick things off, then up to R6,000 for setting it up—depends on what you owe—and a small monthly fee after that. They keep it clear and steady, no nasty surprises.

Are there hidden fees in debt review?

Not with DebtBusters—they show you everything upfront. You’ll know every cent you’re paying from the start, so there’s no guessing or tricks.

Do I still pay interest during debt review?

Not always as much. DebtBusters jumps in and asks them to ease up—maybe cut the interest or even pause it—so your debt doesn’t grow like crazy. It depends on what they can agree on with the people you owe.

How much can I save on interest and fees?

It’s hard to say exactly—it’s different for everyone, based on what you owe and what DebtBusters can talk out. But people often end up saving a good chunk, which makes a real difference to your bank account.

Is debt review legal?

Yes, it’s totally solid—set up by South Africa’s National Credit Act. DebtBusters follows it to the dot, so you’re on safe ground with them.

Does debt review mean I’m blacklisted?

No, not really. It’ll show on your credit report, sure, but it’s not a big red flag. Actually, taking on debt review shows you’re serious about fixing things, and that can make you look better later on.

What legal help do I get with debt review?

As long as you stick with it, debt review keeps creditors off your tail—no annoying calls or threats to take your stuff. DebtBusters stays with you, making sure you’re covered all the way.

Can I stop debt review if I change my mind?

You can walk away before a court says it’s locked in—no problem there. But if you do, the people you owe might start chasing you again, and you’d lose any breaks they gave you. DebtBusters can sit with you and talk it through if you’re unsure.

How do I finish debt review after paying my debts?

When you’ve paid it all off, DebtBusters gets you a clearance certificate—it’s your “all done” ticket. It means you’re free to move on with no debt hanging over you.

How long until my credit is clear after finishing?

Once you’ve got that certificate, your credit report should clean up in about 21 working days. DebtBusters checks it’s all sorted for you.

Do I get something when I’m done with debt review?

Yes, you sure do. Finish paying, and DebtBusters hands you a clearance certificate—a little prize that says you made it through.

Can I borrow money again after debt review?

With that certificate in your pocket, you can start borrowing again if you want. DebtBusters just says take it slow—be smart so you don’t fall back into the same mess.

How do I find a good debt counsellor?

Find someone signed up with the National Credit Regulator who’s done it before. DebtBusters stands out—they’ve helped tons of people in South Africa get through this and come out okay.

Are all debt counsellors real?

Not always. The good ones are watched by the National Credit Regulator—you can check their list or ask for proof. DebtBusters is the real thing, all signed up and proper.

Can I change my debt counsellor if I’m unhappy?

You can swap, no question—it’s just a bit of paperwork. DebtBusters can pick it up and keep things rolling if you’re ready to move on.

What if my debt counsellor is doing something weird?

If something feels wrong—like they’re charging too much, not paying who they should, or just disappearing—don’t sit on it. Tell the National Credit Regulator, ask for a list of what’s been paid, and maybe switch to someone solid like DebtBusters. They keep it straight and keep you posted.

DebtBusters Application

Am I Eligible for Debt Counselling?

For those eyeing debt counselling with DebtBusters, the process is clear-cut and built to steer people toward financial calm. Here’s a rundown of who qualifies, what’s needed, and how it all unfolds.

DebtBusters opens its doors to South Africans wrestling with debt, but there are a few boxes to tick:

• Over-Indebtedness – The person must be in over their head—struggling to keep up with monthly debt payments because their income just isn’t cutting it anymore.
• South African Resident – They need to be a South African citizen or permanent resident, as this is all governed by local laws like the NCA.
• Debt That Qualifies – Debt review covers a range of debts—think credit cards, personal loans, store accounts, or overdrafts. It can include secured debts like home loans or car finance too, though DebtBusters tailors the approach based on what’s weighing the client down.
• Steady Income – A regular paycheck or reliable income source is a must, since that’s what fuels the repayment plan DebtBusters will craft.

Not sure where they stand? DebtBusters offers a free chat to figure out if someone’s a fit and guide them from there.

Requirements

Before diving in, DebtBusters asks clients to round up a few essentials:

• Proof of Income – A recent payslip, bank statement, or something showing steady cash flow—like a lifeline to prove they can pay.
• Proof of ID – A South African ID or passport, just to confirm who they’re dealing with.
• Debt Details – A list of what’s owed—statements, account numbers, creditor names—anything that paints the full debt picture.
• Proof of Address – A utility bill or similar, so DebtBusters knows where they’re at.

These bits and pieces let DebtBusters size up the situation and sketch out a plan that actually works for the client.

Process

DebtBusters keeps things smooth and supportive—here’s how they take someone from debt tangle to clearer days:

1. Free Assessment
   It kicks off with a free, no-pressure talk. A DebtBusters counsellor sits down with the client—over the phone or online—and hashes out their finances: what they earn, what they owe, what’s stressing them out. It’s the moment to see if debt review’s the right road ahead.
2. Hand Over the Paperwork
   After that chat, the client gathers their documents—those income slips, debt statements, and ID—and sends them over. They can upload it all on the DebtBusters website or fire it off via email, whichever’s easier.
3. Crunching Numbers and Making Deals
   DebtBusters gets to work, digging into the client’s finances and reaching out to creditors. They push for lower interest rates or longer payback windows, then whip up a restructured payment plan. This gets sent to a court or tribunal for the official stamp—not a scary courtroom scene, just a legal nod to lock it in.
4. Debt Review Kicks In
   Once the plan’s approved, the client’s officially under debt review. DebtBusters takes the wheel, handling creditor talks and keeping legal hassles—like repossession threats—off their back.
5. Staying on Track
   From there, DebtBusters sticks around. They check in regularly, tweaking the budget or payments if life throws a curveball, making sure the client’s heading toward debt-free waters.

DebtBusters crafts this process to feel less like a grind and more like a helping hand—easing the load so clients can focus on getting back in control.