Take Control of Your Debt
Registered debt counsellors helping South Africans become debt-free through debt restructuring under Section 86 of the National Credit Act (NCA) 34 of 2005.
Debt Reset Consulting helps South Africans regain control of their finances through formal debt counselling and debt restructuring under Section 86 of the National Credit Act (NCA) 34 of 2005. If you are overwhelmed by credit cards, store accounts, personal loans and repayments you can no longer afford, you are not alone — and there is a legal, protected way out. Our registered debt counsellors negotiate with your creditors so that you pay one reduced, affordable instalment every month while you are protected from legal action.
How We Assist You
1. Free Debt Assessment
We begin with a no-obligation, confidential assessment of your income, expenses and debts. Our debt counsellors determine whether you qualify for debt counselling and restructuring under Section 86 of the National Credit Act (NCA) 34 of 2005, and explain exactly how the process works — with no hidden fees and no pressure.
2. We Deal With Your Creditors
Once you are accepted, we formally notify all your creditors and the National Credit Regulator in line with Section 86 of the National Credit Act 34 of 2005. We handle the paperwork and negotiations, restructuring your debt and agreeing reduced instalments and interest rates on your behalf — so you never have to face your creditors alone.
3. One Affordable Monthly Payment
Instead of juggling many different accounts, you make a single affordable payment each month into your debt restructuring account. We distribute it fairly among your creditors and protect you against legal action and repossessions while you work your way back to financial freedom.
How We Have Helped — and How We Still Help
Debt Reset Consulting has walked alongside thousands of South African families who felt trapped by debt. We have helped young professionals drowning in credit cards and clothing accounts, parents facing garnishee orders, and homeowners just weeks away from losing the roof over their heads.
Every case is different, but the outcome we work towards is always the same: fewer and smaller repayments, breathing room to live, and the full protection of Section 86 of the National Credit Act (NCA) 34 of 2005 so that creditors can no longer hound you. On average, our clients see their total monthly debt repayments reduced by up to 50%, stop legal action, and keep the homes and cars they worked so hard for.
And we do not disappear once your plan is approved. We stay by your side for the entire journey — monitoring every payment, negotiating with your creditors, preparing your annual review and clearance documents, and coaching you on budgeting so that you never fall into the debt trap again. Your financial freedom is not the end of our service; it is the whole point of it.
1+
Years helping South Africans
5,000+
Clients guided to freedom
R120m+
Debt successfully restructured
50%
Average repayment reduction
What Our Clients Say
“I was three months behind on my bond and terrified of losing my home. Debt Reset Consulting took over everything — today my instalment is nearly half of what it was.”
Thandi M. — Johannesburg
“They answered every call and explained each step in plain language. For the first time in years I feel in control of my money.”
Sipho K. — Pretoria
“Our only regret is not phoning them sooner. They gave our family a fresh start.”
The Naidoo Family — Durban
We operate in accordance with the National Credit Act (NCA). We respect your privacy under POPIA; your information is used only to process your request. We provide debt counselling services; we assist with lawful debt counselling/restructuring.