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NCR Debt Review

The National Credit Act (NCA) formally introduced debt counselling to assist over-indebted consumers.  This process involves negotiating with credit providers to reduce payments and restructure debt.  To qualify for debt counselling you need to be over-indebted, meaning the sum of your monthly credit instalments and living expenses exceed your monthly income and you therefore cannot pay your minimum monthly instalments.

Your one fixed monthly payment will be made to the Payment Distribution Agent (PDA) who will pay your creditors on your behalf according to the debt restructuring plan. The PDA we use is accredited by the National Credit Regulator (NCR).

Our staff are fully trained and experienced in the debt review process and will assist you in all areas. With 25 years combined debt counselling experience, Debt Guidance has the expertise to guide you on your journey to financial freedom.