National Debt Consultants

National Debt Consultants

Struggling with debt? Let’s find your next step.

Clear guidance on debt review, debt mediation and debt review removal — so you can understand your options and choose what’s right for you.

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No obligation to proceed. Use the calculator without sharing any contact details.

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Where are you right now?

Three common starting points

I’m struggling with repayments

See your full picture — income, living costs and repayments — in a few minutes, without sharing contact details.

Check my budget

I’m already under debt review

Understand how your current arrangement works and what leaving debt review actually requires — it depends on an assessment, not on income alone.

My options under debt review

I’m unsure where to start

Tell us what’s happening in a quick call. A consultant will explain what may apply to you and what happens next.

Request a callback

Our services

Three services for three different situations

Each one solves a different problem. Here’s the short version.

Formal & regulated

Debt Review

A formal, NCR-regulated process that restructures your debt repayments into one affordable plan, with legal protection while you stick to it.

Learn about debt review →
Informal

Debt Mediation

An informal negotiation with your creditors, outside the formal debt review process, aimed at reaching a workable repayment arrangement.

Learn about mediation →
Exit process

Debt Review Removal

For consumers already under debt review who may qualify to exit the process, once specific legal requirements are met.

Learn about removal →

What happens after you reach out

How it works

You get in touch

Use the calculator, the callback form, or contact us directly. Tell us as much or as little as you’re comfortable with.

We ask a few questions

A consultant reviews your situation and asks about your income, expenses and current debts to understand your position.

We explain your options

You’ll hear what may realistically apply to you, including any limitations — plainly, without pressure to decide immediately.

You decide what’s next

If you’d like to proceed, we’ll guide you through the paperwork and next steps. If not, that’s okay too.

Budget & Debt Calculator

See where your money goes each month

Enter your income, living costs and current repayments. In four short steps you’ll see whether your budget balances — and by how much.

  • No contact details needed to see your results
  • Amounts in Rand, editable at any time
  • A budget summary — not a repayment offer or an eligibility decision
Start the calculator

Why NDC

Why choose National Debt Consultants?

Registered, transparent, and clear about what we can and can’t promise.

Registered with the National Credit Regulator

Debt counsellor registration number NCR DC 4382. You can check it against the NCR’s public register of debt counsellors.

See your numbers before you speak to anyone

The calculator needs no contact details, and nothing you type is saved unless you choose to send it to us.

Plain answers, including the limits

We explain each service and what it can’t do. No guaranteed savings, no guaranteed removal, no guaranteed approval — every case starts with an assessment.

A real office in Cape Town

Buchanan Square Building, 160 Sir Lowry Road, Woodstock. Call 021 054 1141 or email Marketing@ndcsa.co.za.

Debt advice & resources

Understand your options, in plain language

Short, practical guides written for South Africa.

Debt Counselling

How Debt Counselling Works in South Africa

A plain-language walkthrough of what actually happens during formal debt review — from your first assessment to what protection it gives you along the way.

Debt Management

Debt Review vs Debt Mediation: What’s the Real Difference?

Two different routes, often confused with each other. Here’s what actually separates formal debt review from informal debt mediation.

Budgeting

How to Build a Realistic Monthly Budget

A budget only works if it reflects what actually happens in your bank account. Here’s a straightforward way to build one you can stick to.
View all advice

Common questions

Frequently asked questions

Does debt review stop legal action from creditors?

Once you are formally under debt review and your application has been submitted, credit providers are generally restricted from taking further legal action, provided you keep to the process. This protection applies to formal debt review — not to informal debt mediation, which does not carry the same legal protection.

Will my credit record be affected?

Yes. Being under debt review is flagged on your credit record for the duration of the process. This is a normal part of formal debt review and is removed once you receive a clearance certificate or the process ends in another legally recognised way.

Can I get debt review removed once my income improves?

Not automatically. Removal from debt review follows specific legal routes and requires an assessment — an improved income alone does not guarantee removal. See our Debt Review Removal page for the detail.

See all FAQs