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Your financial future can be brightened.

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Reduce Debt Repayments

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Reckless Lending Investigation

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Have enough money for personal expenses

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Secure Your Financial Future

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Enough Money For Expenses

Free Call Back Form

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Debt Counselling

The primary purpose of Debt Counselling is to immediately restore financial stability to over-indebted consumers and help such consumers become debt free as soon as possible. Debt Counselling is a formal negotiation process between a Debt Counsellor and credit providers to restructure a consumer’s debt obligations to an affordable amount for the consumer.

Debt Counselling is an ideal debt management solution where a consumer is over-indebted, cannot afford to pay their total monthly debt repayments and wants to pay ONE reduced monthly payment that will cover all of their debt obligations. .

Here is a brief outline of the debt review process:

Step 1: Fill in our Free Call Back Form on the right of this page.

Step 2: We will call to do a free financial assessment with you. This will include a free credit report check.

Step 3: We will send you your application form for you to read, sign and return back to us.

Step 4: The Debt Counsellor will notify all creditors and credit bureaus of your application for Debt Review.

Step 5: All concerned creditors will respond with updated balances for all of your credit agreements within 5 days of having receiving the notification of your application for Debt Review.

Step 6: The Debt Counsellor will determine your over-indebtedness level and advise creditors of your successful application for Debt Review.

Step 7: The Debt Counsellor will restructure your monthly debt repayments with all creditors to ensure that you only pay what you can afford to pay your creditors.

Step 8: Once all negotiations with your creditors are concluded, the Debt Counsellor will refer your application either to the National Credit Tribunal or Magistrates Court for a court order.

Step 9: Once a court order is issued, the consumer will continue making payments as restructured until all debts are paid up (excluding a bond).

Step 10: Once all debts are paid up (excluding a bond), a clearance certificate will be issued to the consumer, all concerned creditors as well as all registered credit bureaus to indicate that the consumer is now debt free.

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With NDH you are guaranteed the best Debt Management Solution
Call Us on 012 683 8799

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Lakeview Building
1277 Mike Crawford Avenue

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