Debt Counselling Somerset West
Start your free assessment
Debt Counselling Somerset West gives you a clear plan and one payment. Get a free assessment today, then see what your new monthly payment could be.
Trusted local help
Work with a team that serves the Helderberg daily. We keep your creditors informed and your rights protected under the National Credit Act.
Visit our Somerset West Page
Why Choose SDC as Your Debt Counsellor
Top 5 Debt Review Awards
We are recognised as one of the best companies in our tier, by the Debt Review industry
DCASA WC NEC Member
Our head debt counsellor, Nadia de Weerdt, heads the Western Cape branch of the Debt Counsellors Association of South Africa.(DCASA)
Personal Service
We guarantee personal service, with SDC you will never be a number.
Our Somerset West team will guide you through each step. We make sure you pay what you can afford!
How Debt Counselling Works
- Assessment: Our assessments are free and quick and usually takes only 10 minutes of your time.
- Proposal: We draft a payment plan that frees up much needed cash for daily living expenses.
- Legal cover: We notify creditors. You stop juggling calls and due dates.
- Court order: A magistrate approves the plan. Repay with one debit each month.
- Review: We check progress every few months and adjust if life changes.
- Finish: Settle the last account and get your clearance certificate.
What we do
Debt assessment
Free, private call and a simple plan preview. You see the numbers before you decide.
Creditor talks
We speak with banks and retailers and agree on rates that match your case.
Ongoing care
Monthly tracking, friendly reminders, and support if your income moves up or down.
Fees in plain view
We dont charge any upfront fees and follow a strict fee guideline implemented by the NCR.
- Once-off application fee
- Restructuring fee
- Monthly care fee
- Legal fees when the order is filed
You pay one amount each month. We split it to creditors and fees as set in your plan.
FAQs
- How long does the process take?
- Most of our clients finish within 36 to 60 months.
- Will my credit card still work?
- No. Credit lines are paused while you repay. This protects your budget and the court order.
- Can I leave the process?
- You can ask to withdraw before the court order. After the order, you finish the plan or settle the debts.
- What happens when I finish?
- You receive a clearance certificate. Bureaus update your profile, and flagged debts are cleared.
Client stories
“Simple steps, clear calls, and real relief in two weeks.”
“My car stayed safe and my budget works again.”
“Good people who keep things calm and honest.”
Compliance and risk
Debt counselling is a formal process under the National Credit Act. Outcomes depend on your debts, income, creditors, and court timelines. Keep insurance and priority costs active.
Sandton Debt Counselling. NCR Registration: NCRDC3360. Registered office: Gordon's Bay, South Africa.
Ready to breathe again?
Start the process today and see your draft payment before you commit.