
National Debt Advisors: Trusted Debt Counsellors in South Africa
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We Negotiate with All Creditors
Banks, retail stores, and loan providers. We negotiate with them all to reduce your repayments and help you regain control of your finances.
Start Your Debt-Free Journey
with National Debt Advisors
Getting started is simple. The process starts with debt counselling, where we assess your financial situation and guide you through your options. If you qualify, you can then enter debt review, the legal process that restructures your debt into affordable monthly repayments while protecting your assets.
Step 1
Submit your details to NDA debt review specialists for a FREE debt assessment.
Step 2
Apply for debt review to protect your assets from repossession.
Step 3
Lower your monthly debt repayments by up to 50% with guidance from our experienced debt advisors.
What Our Clients Say
From Struggling With Debt To Freedom
Many South Africans who once struggled with debt have successfully rebuilt their financial lives with the help of National Debt Advisors, one of the leading debt review companies in South Africa.

Debt Review
How Debt Review Can Help You
Debt review through National Debt Advisors provides a structured solution for people struggling with multiple debts. As one of the trusted debt review companies in Cape Town, National Debt Advisors helps consumers across South Africa manage their finances responsibly. Benefits include:
- Stop creditors from harassing you
- Pay lower monthly instalments
- Afford your monthly living expenses
- Protect your assets from repossession
- Consolidate your monthly payments into one
Debt Counselling
Benefits of Working with National Debt Advisors
Debt counselling helps you understand your financial situation and create a structured plan to manage your debt. With guidance from our experienced debt counsellors at National Debt Advisors, you can reduce financial pressure and begin working toward becoming debt-free, with benefits such as:
- Assistance, even if you are blacklisted
- Protection for your assets and credit profile
- A safe, structured path to becoming debt-free
- Lower monthly instalments by up to 50%
- No loans offered

National Debt Advisors
Other Debt Solutions
If you are struggling with debt, National Debt Advisors offers a range of debt solutions designed to reduce financial pressure and help you regain control of your finances. In addition to debt counselling and debt review, there are several ways to address different financial situations and move toward financial stability.
Debt Consolidation
Combine multiple debt repayments into a single, more manageable monthly payment through a structured repayment plan.
Debt Mediation
We negotiate directly with your creditors to help restructure your repayments and create a more affordable debt solution.
Blacklisted
Even if you are blacklisted, you may still qualify for debt solutions that help you regain financial stability and manage your repayments.
Reckless Lending
If credit was granted irresponsibly, reckless lending laws may allow your debt to be reduced, restructured, or set aside.
Frequently Asked Questions
Have any questions? NDA has the answers!
Have questions about NDA debt review or debt counselling? National Debt Advisors provides clear answers to help consumers understand the process.
What is debt review?
Debt review is a legal process in South Africa that helps over-indebted consumers restructure their debt into affordable monthly repayments with the assistance of a registered debt counsellor. The process is regulated by the National Credit Act and protects consumers from legal action while a new repayment plan is arranged.
How quickly can debt relief begin?
Debt relief through debt review can begin shortly after your application has been assessed by a registered debt counsellor. In most cases, creditors are notified within a few days that you have applied for debt review, which means the legal process begins while a more affordable repayment plan is arranged.
This helps reduce financial pressure while your new repayment structure is being finalised.
Will creditors harass me during debt review?
No. Once you are placed under debt review, creditors must follow the legal process and stop contacting you directly for debt collection. Your debt counsellor communicates with creditors on your behalf while a new, more affordable repayment plan is arranged.
How long will I be under debt review?
The length of time under debt review depends on your financial situation and the repayment plan created for you. Most consumers remain under debt review until their debts are fully repaid, giving them the time and structure needed to repay what they owe while managing their monthly expenses comfortably.
Resources
Learn More About Managing Your Debt
Explore helpful resources from National Debt Advisors designed to guide you through your journey to financial stability. From real client success stories to expert advice and step-by-step guidance, these resources can help you better understand your options and take control of your finances.

Budget Planner
Use our FREE budget planner to understand your monthly income, expenses, and debt commitments so you can see whether you may qualify for debt review.

Case Studies
Read real stories from South Africans who have successfully taken control of their finances through debt counselling and debt review.

How Debt
Review Works
Learn how debt counselling and debt review work, including the steps involved in reducing your monthly repayments and protecting your assets.

NDA Blog
Explore helpful articles, expert advice, and practical tips designed to help you better understand debt solutions and financial management.

Get Started
Ready to Become Debt-Free?
If debt is putting pressure on your finances, National Debt Advisors can help. Our experienced debt counsellors provide trusted debt counselling and debt review services designed to reduce financial pressure and help you regain control of your finances.
In 2020, National Debt Advisors was voted the best debt counselling company in South Africa, and thousands of consumers have trusted our team to help them become debt-free.