| Item | Old Payment | New Payment | Monthly Savings |
| Home Loan Property Bond | R 14 174 per month | R 11 339 per month | R 2 835 per month |
| Vehicle Loan Secured Debt | R 7 277 per month | R 5 458 per month | R 1 819 per month |
| Store Accounts & Credit Cards Unsecured Debt | R 9 640 per month | R 2 796 per month | R 6 844 per month |
| Combined debt monthly | R 31 091 per month | R 19 593 per month | R 11 498 per month |
A lot of South Africans are over burdened with debt. Debt review is a way for you to arrange a repayment plan with your lenders that allows you to pay a lower monthly fee in a structured way with a single payment.
A debt review company like DebtSolutions4You protects your assets, provides you with a consolidated debt repayment plan, and even in some cases offer decreased interest rates. When we place a customer under debt review, they are protected in terms of the National Credit Act. Lenders are not able to take legal action as long as you keep with your debt review schedule.
Start a chat on WhatsApp and complete a quick assessment. We'll review your income, expenses and debts to see how much you could save.
A registered debt counsellor creates a personalised plan with reduced payments and lower interest rates — delivered straight to your chat.
Sign your Form 16 directly in the WhatsApp chat. Your assets are legally protected while you pay off debt faster.
South Africa's legal solution for over-indebted consumers
Debt review (also called debt counselling) is a formal legal process under Section 86 of the National Credit Act that helps over-indebted South Africans regain control of their finances. When you apply for debt review through an NCR-registered debt counsellor like Debt Solutions 4U, we negotiate directly with your creditors — FNB, Absa, Standard Bank, Nedbank, Capitec, WesBank, Woolworths, Edgars, and all other credit providers — to reduce your interest rates from 14–27% down to 0–5%.
The result: your total monthly debt repayments drop by 30–50%. Instead of juggling 6–10 separate debit orders, you make one consolidated payment. Your home and car are legally protected from repossession under Section 86. Creditors cannot call, sue, or garnishee your salary while you are under debt review and making your reduced payments. The restructured plan becomes a court order — giving you legal certainty that your creditors must accept.
As a leading debt review company in South Africa, DS4U has helped thousands of families reduce their debt repayments and protect their assets. We are registered with the National Credit Regulator (NCRDC2423), accredited by DCASA, and rated 4.9 stars on Google with 477+ reviews. Our entire process runs on WhatsApp — from assessment to proposal to signing — with no emails, no paperwork, and no delays.
Recognised in the Debt Review Awards 2023, 2024 & 2025 as a top debt counselling firm in South Africa.
Complete your entire assessment, receive your proposal, and sign Form 16 — all on WhatsApp. No emails, no paperwork.
Registered debt counsellor (NCRDC2423) operating under the National Credit Act. Your assets are legally protected.
Get your personalised debt review proposal within minutes, not days. See exactly how much you could save.
