Millions of South African Men Need Help With Too Much Debt. You Are NOT Alone!
Helping 100's of South African Men DAILY To Become Debt-Free!
Currently, absolutely NO contact details are required to see if you qualify
Take this 30-second quiz and see if you qualify to reduce your debt by up to 60%!
Some of the success stories
"Thank you so much! Such professional service."
Jacki
Debt Payments Reduced
"Thank you for all your help and really caring!"
Toni
Debt Payments Reduced
"Lower debt payments at last. Thank You!"
Andile
Debt Payments Reduced
About The Consumer Guide
The Consumer Guide is a public service helping South Africans Men make an educated decision about Debt Options when personal finances are on the brink of collapse.
Our partners are all NCR registered and have one goal in mind for our readers:
Free ALL South African Men from the clutches of bad debt.
Waiting is NOT the answer!
Another loan is NOT the answer!
Every second the debt problem is ignored, it WILL get worse!
Let our experienced, trusted & NCR registered partners help you reduce your debt by up to 60% with a FREE, NO-obligation "Become Debt Free" consultation!
Debt is NOT Forever!
Our NCR Registered Partners have helped thousands of South African Men to find an easy, legal and permanent way to rid themselves (and their families) of the burden from too much debt.
Frequently Asked Questions
What do I do when a credit provider harasses me under Debt Review?
When you enter into Debt Review, you take the step to clear debt from your name and your life.
You also step into the protection that comes from the National Credit Act that provides security against creditors repossessing your assets as well as prohibiting creditors from contacting you and hassling you for payment.
If you’re under Debt Review, they are legally obliged to contact your debt counsellor. However, there are cases where they might still contact you for payments. This might be because they have not been notified of the confirmation that you are under Debt Review, for example.
If you do find yourself contacted by a creditor while you’re under Debt Review, the best steps to follow are:
1) Inform your creditor that you have either applied for or are already under Debt Review in terms of section 86 of the National Credit Act.
2) Provide them with the contact details of your debt counsellor.
3) Show them your Debt Review protection certificate or NDA receipt (your debt counsellor will have given you one).
Easy as 1...2...3... and they’ll be directed to the correct channel and will speak to your debt counsellor who will act as the contact point for you.
Is Debt Review the same as a loan?
The short answer: No. Debt Review is not the same as a loan.
The longer answer: Debt Review is a process in which your finances and outstanding debt will be assessed and a unique debt repayment plan will be built and structured for you. Instead of taking a loan to pay off your debt, you will have a monthly payment plan to resolve debt without a major significant life change.
Under Debt Review, you will have a debt counsellor on your side to negotiate with your credit providers to discuss and reduce interest rates. Debt Review, unlike a loan, protects you from repossession of your assets by your credit providers and also puts your debt counsellor as the point of contact between yourself and your credit providers.
Why is Debt Review better than a debt consolidation loan?
When a person finds themselves over-indebted, it might feel like an overwhelming impossible obstacle to overcome in their financial life.
Many might not realise that there are two ways to deal with the monthly struggle to try and pay off debt without a structured payment plan: Debt Review and, Debt consolidation loans.
A consolidation loan is a loan for the sum of your unsecured loans from various credit providers. With a consolidated loan, you consolidate your debt and can settle high-interest debts and close accounts. It means you only have one payment to deal with but do not have the same support structure as with Debt Review.
Debt Review is a process whereby you have an experienced debt counsellor who assesses your outstanding debt and works with you and your creditors to build a structured debt repayment plan. The debt counsellor acts as the contact point between you and your creditor and helps negotiate your interest rates.
The benefits of Debt Review include the following:
Only one payment to worry about.
An expert debt counsellor on your side to help you and reduce your interest rates.
Protection against repossession.
No more creditor calls – your debt counsellor becomes the contact point.
What happens if all or some of my credit providers do not accept the debt repayment plan?
When you undergo Debt Review, your debt counsellor will negotiate with your credit providers to find a repayment plan and monthly amount that you can afford.
Our NCR Registered debt counsellors work hard to find a payment plan that works for you and also one that the credit providers will accept. However, the credit provider has the right to reject the proposed payment plan.
If this is the case, the credit provider will submit a counter-proposal and your debt counsellor will consult with you about the creditor’s proposed repayment amount. If this is not affordable, your debt counsellor will refer the matter to the Magistrates Court for a decision.
The debt counsellor will rationalise why the payment plan is reasonable. If the Course grants the proposal as acceptable, it will formalise the payment plan.
Debt Help Is Available! You are NOT Alone!
Higher cost of living, Higher interest rates, Lower salary increases...
ALL South Africans are feeling the burden of debt climbing daily!
Loans, credit cards and other forms of debt are sometimes necessary to help with sudden expenses, BUT when we are in too much debt already... another loan is NOT the answer.
You have other legal avenues available that will help you cut your debt by up to 60%!
There is a permanent solution and our partners can help!
© The Consumer Guide's Debt Review Program - 2022
You can find out more debt advice by contacting the NCR on 0860 627 627 or by visiting their website at www.ncr.org.za. Their opening times are 8.00 to 17.00 Monday to Friday.
*Results may vary from person to person. Reduction in monthly debt repayments is based on the performance of debt review cases administered by our debt solution providers.
Results depend on personal circumstances and the successful completion of the chosen solution.
Results are not guaranteed and will be looked at on a case by case basis.
We work with a carefully selected panel of debt solution providers and, once you have qualified and accepted the terms, we will introduce you to them to look after the management and administration of your recommended plan.
Our service is 100% free to use and you are under no obligation to accept any of the quotes or product offers that you receive.
The Consumer Guide does not administer debt management or insolvency products. You will be referred to our NCR registered providers.
The Consumer Guide may be paid a referral fee for introducing you to one of our NCR registered and approved providers.
The Consumer Guide is a trading name of Big Domino Marketing PTY LTD, registered in South Africa.