Nationwide
Gauteng & Cape Town
Debt Review
Cut monthly instalments. Protect your assets. Get a structured path to becoming debt-free. SDC designs a lawful repayment plan that fits your budget and shields you from harassment and legal action while you repay.
Regulated
NCA-aligned fees
Legal Cover
Court-approved plans
Human Help
Dedicated case team
What Debt Review Is
Debt review is a formal, court-backed restructuring of your credit obligations. SDC calculates an affordable single payment, negotiates reduced instalments with your creditors, and secures a court order that protects you while you repay.
Who Qualifies
- South African consumers with steady income who are over-indebted.
- Arrears or near-arrears on loans, cards, store accounts, or vehicle finance.
- Willingness to follow a realistic household budget during repayment.
Immediate Benefits
- Lower consolidated monthly instalment.
- Legal protection from unsecured enforcement once under review.
- One payment to an accredited distribution agency.
- Clear end-date path with a completion certificate.
The SDC Process
1) Assessment
Quick affordability test across your full credit profile and living costs.
2) Proposal
SDC drafts a repayment plan that aligns with your budget and legal guidelines.
3) Negotiation
We negotiate reduced instalments and realistic terms with each creditor.
4) Court Order
Plan is made an order of court to protect you while you repay.
5) Single Payment
One monthly debit via a regulated distribution agency to all creditors.
6) Completion
When obligations are settled, you receive a completion certificate.
What You’ll Need
- ID and proof of residence.
- Latest payslip or income proof.
- Bank statements (recent 3 months).
- All credit agreements and balances.
Fees & Compliance
All debt review fees are regulated and aligned to the National Credit Act framework. You don’t pay upfront to “apply” — fees are structured within the plan so affordability is preserved.
Results You Can Expect
- Consolidated, reduced monthly outflow to restore breathing room.
- Stopped spirals of arrears charges and collections stress.
- Predictable timeline to completion with regular status updates.
- Confidence to manage household priorities while clearing debt.
Free, No-Obligation Assessment
Common Questions
- Will I lose my car or home? The plan is structured to protect essential assets while you repay within an affordable budget.
- Can I apply if I’m already in arrears? Yes. Early action helps secure better outcomes.
- What if a creditor calls? Refer them to SDC once you are under review; we handle communication as part of the process.
- How long does it take? Timelines depend on balances and negotiated terms. The plan targets the earliest realistic completion.
Why Choose Sandton Debt Counselling (SDC)
- Dedicated team with national footprint (Gauteng & Cape Town).
- Rigorous affordability modelling and creditor engagement.
- Transparent, regulated fee structure.
- Clear reporting, milestone tracking, and completion support.