Debt Review Contact


Apply for Debt Counselling

Apply Now



Is debt beginning to take control of your life? Then apply for debt counselling with Debtnett and change your life.
Debt counselling is a service that will help protect you from any legal action if the credit providers have accepted your proposal and ensure that your monthly repayment is in line with the accepted proposal.

First steps

Trained individuals, called Debt Counsellors will help you to deal with your debt, taking those first steps of acknowledgment with you. After discussing your financial situation with a professional Debt Counsellor, they will conduct an independent enquiry into your financial circumstances and make recommendations to your credit providers and the courts concerning restructuring your debt. They can even go so far as to suspend ‘reckless’ credit agreements.
Reckless credit’ agreements are when a creditor gives a consumer credit that they know they cannot repay and if you think this has happened to you, a Debt Counsellor can investigate the matter further. If a case of ‘reckless credit’ is found, a court could order the debt not to be repaid or postpone repayment on that debt.
They will deal with your creditors and come to an agreement that allows you to cover your living expenses and apportion the remainder of your available funds to your creditors. 
It’s possible that you may not actually be ‘over-indebted’.  This is a legal term for anyone who, after deducting living expenses from their net salary, has less cash left over than the instalments on their total debt, in which case the Debt Counsellor will assist you to work out a better monthly budget, enabling you to repay your debts effectively.

There are definite pros to applying for debt counselling.

  • A registered Debt Counsellor is far more likely to get a positive response from your creditors when it comes to negotiating your repayments than you might as a consumer. 
  • A qualified Debt Counsellor will be able to advise you on ways to cut your monthly costs, setting aside a certain amount of income for your necessities (food, school fees, transport costs etc.) and using whatever money is left over to pay debts. 

Repayment of your debt obligations is done with one regular monthly payment to a Payment Distribution Agency who handles the money side of things.


Apply Now