Debt review in Johannesburg
If you live in Johannesburg and your repayments no longer fit your budget, you can speak to DRC remotely about debt review. Start with your income, necessary household costs and a list of your accounts.
Prepare your Johannesburg household budget
Include the costs you need to keep working and running your household: housing, electricity, transport, food, school expenses and insurance. Use your actual statements, including irregular costs, so the assessment reflects what you can maintain.
The size of one account does not decide whether debt review is suitable. The counsellor needs the full picture of what you earn, owe and need for essential expenses.
What happens after the assessment?
- Discuss the recommendation, fees and responsibilities before deciding whether to apply.
- If formal debt review is appropriate and you proceed, your counsellor verifies the accounts and prepares a repayment proposal.
- The arrangement follows the required legal process. You need to maintain the agreed payments and keep in contact with your counsellor.
Ask how payments will reach creditors, how you will receive statements and what to do if your income changes. Keep copies of the documents and tell your counsellor about any further legal notices.
Do I need a counsellor with a Johannesburg office?
Confirm how the service will be provided before you apply. DRC is based at 22 Burt Drive, Newton Park, Gqeberha, and assists Johannesburg clients remotely. Contact the team to arrange the conversation and confirm how to submit documents.
The initial assessment is free. Formal debt counselling has fees, and an enquiry does not place you under debt review.
Before you apply
- Working with a debt counsellor
What an assessment and ongoing support should cover.
- Understand the fees
Compare the charges, payment schedule and total cost.
- Check whether debt review fits
Read about eligibility and the commitment involved.
- More debt review questions
Find answers about credit, repayments and completion.