About Debt Guidance
We are an independent, fully regulated South African debt counselling practice committed to helping over-indebted consumers restructure unaffordable debt and achieve complete credit clearance.
Our Story: Helping South Africans Since 2015
Debt Guidance was founded in 2015 by registered debt counsellor Carolina Guevara Harris (NCRDC3152). Over the past decade, South Africa has experienced significant macroeconomic headwinds: volatile interest rates, fuel price surges, inflation, and unexpected family emergencies that have placed immense pressure on household budgets.
From our inception, we made the conscious choice not to operate as an aggressive mass-marketing call centre. Instead, we built our reputation on professional diligence, transparent fee structures, and personalized legal casework. To date, we have helped over 1,000 South African consumers successfully complete their debt restructuring and receive official Form 19 clearance certificates.
Regulatory Rigour
Every restructuring proposal is prepared in strict accordance with the National Credit Act and NCR guidelines.
Honest Assessments
We never make unsubstantiated guarantees or recommend debt review to consumers for whom it is not appropriate.
Human Compassion
We treat every client with dignity and empathy. Debt is a financial circumstance, not a moral failure.
Commitment to Clearance
We support you through every year of restructuring until your clearance certificate is audited and issued.
Regulatory Status & Verification
Practice Name: Debt Guidance
Principal Counsellor: Carolina Guevara Harris
NCR Registration Number: NCRDC3152
Regulator: National Credit Regulator (NCR), South Africa
Payment Distribution: Regulated Payment Distribution Agencies (PDAs)
Speak With Our Team
Request a confidential assessment with an experienced Debt Guidance consultant