Debt Doesn't Define You. Let's Fix This Together.
You're not broken. You're not bad with money. You just need someone in your corner. We've helped hundreds of South Africans breathe again — and not one of them regretted reaching out. Your turn.
FREE calculator · No sign-up needed · Instant results · 100% private
Get Your Debt Health Score
30 seconds to clarity. Quicker than boiling the kettle for rooibos.
Through NCR-regulated debt review
Protection from day one — no waiting
Legal protection — no more scary calls
Why South Africans Choose DCSA
Real debt counselling industry facts that matter
Industry average via NCR-regulated process
You're not a number, you're a person
Real experience, real results
NCR Registered: NCRDC3995 · Honest stats, no BS
Free Calculators That Show You Exactly Where You Stand
Before making any decision, use our free calculators to understand your financial situation. Knowledge is power — and these tools put that power in your hands (no scary surprises).
No sign-up required • 100% private • Instant results • Works on your phone
Money Map
Track every Rand coming in and going out. See exactly where your money goes each month with our interactive budget calculator.
- ✓Income vs expenses breakdown
- ✓Visual spending categories
- ✓Identify savings opportunities
Interest Calculator
Calculate your monthly loan payments and total interest costs. Understand the true cost of your debt.
- ✓Monthly payment calculations
- ✓Total interest over loan term
- ✓Compare different loan scenarios
Potential Savings Calculator
See how much you could save through debt counselling. Compare your current payments to restructured payments.
- ✓Potential monthly savings
- ✓Reduced debt payments
- ✓Counselling benefit analysis
Not sure which calculator to use?
Start with the Money Map to understand your full financial picture, then use our other calculators to explore specific scenarios.
Start with Money MapHow Debt Review Works
A clear, step-by-step path — and we'll be with you at every stage
Apply
Submit Form 16
Assessment
We evaluate your finances
Payment Plan
Affordable solution created
Court Approval
Legal restructuring
Protection
Legal coverage active
Freedom
Debt-free journey starts
Apply
Submit Form 16
Assessment
We evaluate your finances
Payment Plan
Affordable solution created
Court Approval
Legal restructuring
Protection
Legal coverage active
Freedom
Debt-free journey starts
Protection starts immediately once you begin. No waiting period. We handle everything.
Debt Review vs Other Options
Understanding your debt relief options helps you make the right choice
Not Sure Which Option is Right for You?
Compare all debt relief solutions side-by-side and discover why Debt Review is the most comprehensive, legally protected option for South Africans struggling with debt.
| Feature | Debt Review (Recommended) | Debt Consolidation | Administration Order | Bankruptcy/Sequestration |
|---|---|---|---|---|
| Legal Protection from Creditors | ||||
| Reduced Monthly Payments | ||||
| Lower Interest Rates | ||||
| Keep Your Assets | ||||
| Stop Legal Action | ||||
| Credit Record Impact | Temporary notation (removed after clearance) | New credit application | Public court record | Severe (10 years) |
| Qualification Requirements | Over-indebted with income | Good credit score needed | Court application | Insolvent |
| Cost | Regulated affordable fees | High interest + fees | Court fees | Legal fees + trustee costs |
- NCR regulated process with legal protection
- Negotiated lower interest rates and extended payment terms
- One affordable monthly payment covering all debts
- Keep your assets and avoid bankruptcy consequences
Enter your monthly debt payments by type to see realistic savings
Debt Review — One Payment, One Plan, One Less Thing to Worry About
Picture this: one monthly payment instead of ten. Creditors legally off your back. Your car and home safe. That's Debt Review — it's not bankruptcy, it's a proper plan backed by the National Credit Act. Think of it as a financial reset button (we all need one sometimes).
You keep your assets, your dignity, and you gain something priceless — breathing room. We'll handle the creditors, the paperwork, and the legal stuff. All you need to do is pick up the phone.
Fun fact: the hardest part is the first call. After that, most clients say "why didn't I do this sooner?"
Credit Repair — Because Your Score Doesn't Tell Your Whole Story
That credit score? It's a number, not a verdict. And you'd be surprised how often there are errors dragging it down that aren't even your fault. We'll go through your report together, challenge the dodgy stuff, and explain everything in plain English — no finance degree required.
No lectures, no "you should have" — just practical help and a plan. Watching someone realise they have way more power over their finances than they thought? That's the best part of our job.
Helpful Reads (No Jargon, We Promise)
Money stuff explained like a friend would — over coffee, not in a courtroom.
These guides offer general info to help you understand your options — not personalised financial advice. For tailored help, reach out to us directly.
Debt Review 101 — The Basics
What it is, who it helps, and why it's not as scary as it sounds. Clearly explained, no fine print drama.
Read GuideYour Credit Score, Decoded
What that number actually means, why it matters, and how to nudge it in the right direction — even when it feels hopeless.
Read GuideBudgeting Without the Boring
Real-life money tips for real-life people. Small tweaks, big relief — no spreadsheet obsession required.
Read GuideReal Stories, Real People
Don't just take our word for it - hear from South Africans who've walked the path and come out winning
Want to Share Your Story?
We'd love to hear how DCSA helped you. Record a quick video on your phone (no fancy equipment needed) and inspire others!
Real People, Real Results
See how South Africans just like you have regained control of their finances through debt counselling
"Successfully reduced monthly payments by 50% and is on track to be debt-free"
"Avoided legal action and regained financial stability for her family"
"Protected assets and reduced debt-to-income ratio from 85% to 42%"
*Names changed for privacy. Results vary based on individual circumstances.
Debt counselling reduces your monthly payments through negotiated lower interest rates and extended payment terms. The total debt amount remains the same but becomes more affordable to pay off over time with legal protection from creditors.
Book Your Free Consultation
Schedule a confidential consultation with our certified debt counsellors. Take the first step towards financial freedom today.
The DCSA Squad
No stuffy suits here. Just real people who genuinely care about helping you win with money.
Sam | Samantha Knoesen
NCR Registered Debt Counsellor
For over 12 years, I've had the privilege of helping people navigate some of the most stressful moments of their financial lives. One thing I want you to know from the start is this: debt does not define you.
Life can change quickly. Sometimes it's a series of difficult decisions, sometimes it's circumstances beyond your control — often it's both. Whatever brought you here, you'll never be judged or lectured. My role is to support you, guide you, and help you feel calm and in control again.
I believe in honest conversations, clear guidance, and practical solutions that work in real life — your life. I'll always be straightforward with you, but I'll also be kind. You'll be met with understanding, respect, and genuine care every step of the way.
Think of our first conversation as a quiet moment to pause and breathe. You talk, I listen, and together we create a plan that feels realistic, supportive, and achievable.
What you can expect when working with me:
If you're feeling overwhelmed or unsure where to start, you don't have to face it alone. I'm here to help you find your way forward 🤍
Kadene Jacobs
Administrative Assistant
When you reach out to DCSA, Kadene's the one making sure everything runs smoothly behind the scenes. She's got a gift for turning challenges into solutions and making everyone feel heard and valued.
"I'm here to make this journey as smooth as possible for you - because everyone deserves compassion when they're stressed."
Cindy Killian
Attorney - Cindy Killian Attorneys Inc.
Cindy isn't your typical attorney - she's been through life's struggles herself and brings real empathy to every case. She understands what it's like to face financial stress because she's lived it, not just studied it.
"I'm not just an attorney - I'm a human who's faced challenges too. Ek's net 'n mens."
We're not a faceless corporation - we're a small team of real people who genuinely care about your financial wellbeing. When you work with DCSA, you're family.
Don't Just Take Our Word For It
Real Google reviews from real people who were exactly where you are right now.
"Absolutely outstanding service! The team was not only highly professional but also incredibly kind and understanding throughout the entire process. They made a difficult situation feel manageable and treated me with genuine care and respect. I couldn't recommend them enough for anyone seeking compassionate and expert debt counselling."
"I had an amazing experience working with DCSA. They were professional, understanding, and took the time to explain every step of the process. They helped me create a realistic repayment plan that truly fits my budget. Thanks to their guidance, I feel more confident about managing my finances and staying debt-free. I highly recommend them to anyone struggling with debt and they really care about their clients."
"Samantha Knoesen helped me so much in getting my financial life back, always ready to answer, and because I trusted her so much I got her 2 referrals and they are as happy as I am. Great work Samantha."
"Thanks DCSA for helping me clear my name, now I have a credit card because of you."
Share your experience with DCSA
Debt Review for Dummies with Corrie and Zak
A podcast DCSA loves - Listen to expert financial advice, debt management tips, and success stories from real South Africans
Debt Review for Dummies
With Corrie and Zak - Your weekly dose of financial wisdom, debt solutions, and practical money advice
Available on Spotify
New episodes every week featuring expert advice and client success stories
Debt Management Tips
Learn practical strategies to reduce debt and improve your financial health
Success Stories
Hear from real clients who achieved financial freedom through debt counselling
Expert Insights
NCR-registered debt counsellors share insider knowledge and industry updates
Leave your details and we'll contact you for a free, no-obligation consultation
Still Here? Good. That Means You're Ready.
Whether you want to chat, calculate, or just quietly read — we're here. No pressure. No sales pitch. Just real help when you're ready for it.