Debt Rescue
Debt Counselling · 212 reviews
#2
Rank
8.7/10
Our Score
How we rate
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Debt Counselling Terms
Min Debt
Any amount
Process Length
36–60 months
Initial Fee
NCR-regulated
Monthly Fee
NCR-regulated
NCR Number
Not listed
Services Offered
- ✓Debt Counselling
- ✓Debt Review
- ✓Debt Consolidation
- ✓Debt Assessment
- ✓Debt Repayment Planning
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Pros & Cons
Advantages
- ✓ Over 18 years of experience in debt counselling, operating since the inception of the industry in 2007
- ✓ Consistently high customer satisfaction ratings across multiple independent review platforms
- ✓ Each client receives a dedicated relationship manager for personalised, ongoing support
- ✓ Full legal protection under the National Credit Act against creditor action, asset repossession, and harassment
- ✓ All debts are restructured into one reduced, affordable monthly payment tailored to the client's budget
- ✓ Registered debt counselling firm operating under NCR oversight, ensuring compliance with the National Credit Act
- ✓ Strong national media presence with over 10 000 media mentions, reflecting credibility and consumer advocacy
Disadvantages
- ✗ The debt review process typically takes between 36 and 60 months, requiring a long-term commitment
- ✗ Clients are flagged at credit bureaus as being under debt review, which affects their credit profile for the duration of the process
- ✗ Consumers under debt review cannot apply for or access any new credit facilities until a clearance certificate is issued
- ✗ Debt review fees, including the restructuring fee and monthly aftercare fee, are regulated by the NCR but do add to the overall cost of the process
- ✗ The specific NCR registration number (NCRDC format) is not prominently displayed on the Debt Rescue website, making it harder for consumers to verify independently
- ✗ Debt review is a formal legal process involving a court order, which some consumers may find daunting or administratively complex
- ✗ The process is not suitable for consumers with no regular income, as affordability of the restructured repayment plan is a prerequisite
About Debt Rescue
Debt Rescue is one of South Africa's most established debt counselling firms, operating since 2007 when the National Credit Act formally introduced debt review as a consumer protection mechanism. With more than 18 years of experience, the company has built a strong reputation for helping over-indebted South Africans restructure their obligations under Section 86 of the National Credit Act, 34 of 2005. Their process consolidates multiple creditor repayments into a single, reduced monthly amount that fits the client's actual budget.
The company offers a range of debt counselling solutions, including formal debt review, debt counselling, debt consolidation planning, and debt repayment structuring. Clients benefit from legal protection against creditor action while under review, meaning creditors cannot pursue judgments, repossess assets, or harass clients during the process. Debt Rescue claims the distinction of being South Africa's highest reviewed and rated debt counsellor across multiple independent review platforms, with a 4.9 out of 5 rating from over 1 400 reviews and a perfect 10 out of 10 from more than 2 100 reviews on a separate platform.
Each client is assigned a dedicated relationship manager, which sets Debt Rescue apart from many competitors who offer only generalised support. This personalised approach, combined with their prominent national media presence and longstanding industry expertise, makes them a well-recognised name in South African consumer debt relief.
How Does Debt Rescue Work?
The process begins with a free online debt assessment where the client provides details about their income, monthly expenses, and all existing debts, allowing a debt counsellor to determine whether the client qualifies as over-indebted under the National Credit Act. If the client qualifies, the debt counsellor formally applies for debt review under Section 86 of the NCA, notifies all credit providers and the credit bureaus, and begins negotiating a restructured repayment plan that combines all debts into one reduced monthly payment the client can afford. Once the repayment proposal is agreed upon, Debt Rescue's specialised attorneys submit it to court, where it is granted as a formal court order that is legally binding on all creditors. The client then makes a single monthly payment through a registered Payment Distribution Agency, which distributes funds to creditors according to the court-approved plan, until all debts are settled and a clearance certificate is issued.
Requirements
- South African resident with a valid South African identity document
- Regular, verifiable monthly income sufficient to fund a restructured repayment plan
- Demonstrably over-indebted, meaning monthly debt repayments exceed what the consumer can reasonably afford after essential living expenses
- A complete list of all current creditors, outstanding balances, and account details
- Recent payslips or proof of income (typically the last three months)
- Recent bank statements (typically the last three months)
- Proof of monthly living expenses such as rent, utilities, and groceries
Who Is Debt Rescue Best For?
Debt Rescue's debt review service is designed for South Africans who earn a regular income but find themselves unable to meet their monthly obligations across multiple credit accounts, including home loans, vehicle finance, personal credit, store accounts, and credit cards. It is particularly suited to consumers who are facing creditor pressure, legal threats, or the risk of asset repossession and need immediate legal protection while they work toward long-term financial recovery. It is not suitable for consumers with no income, those already facing sequestration, or those who only have a single manageable debt.
Is Debt Rescue Safe & Legit?
Debt Rescue operates as a registered debt counselling firm under the oversight of the National Credit Regulator, the statutory body established by the National Credit Act 34 of 2005 to regulate the credit industry and protect consumers. The NCR requires all debt counsellors to hold a valid NCRDC registration number, comply with prescribed fee structures, and follow the formal Section 86 debt review process, providing consumers with significant legal safeguards. Once a client is formally placed under debt review, the National Credit Act prohibits credit providers from taking legal action or repossessing assets, giving the consumer a protected space to restructure and repay their debts in an orderly manner.
Registered Credit Provider (NCR)
Our Full Review
Debt Rescue was established in 2007, the same year the National Credit Act came into full effect and formally introduced debt review as a structured, legally protected mechanism for over-indebted South African consumers. This makes them one of the most experienced debt counselling firms in the country, having navigated the full evolution of the industry over nearly two decades. Their long track record, combined with a prominent national media footprint of more than 10 000 media mentions across print, radio, and television, positions them as one of the most visible and established names in South African consumer debt relief.
The debt review process at Debt Rescue follows the formal Section 86 procedure prescribed by the National Credit Act. A prospective client starts with a free debt assessment, sharing details of their income, expenses, and credit obligations. If the counsellor determines the client is over-indebted, the formal application is submitted, credit providers and bureaus are notified, and the client immediately receives legal protection. Debt Rescue's counsellors then negotiate directly with all credit providers to restructure outstanding obligations into a single, reduced monthly payment that accommodates the client's essential living costs. Once a repayment proposal is agreed upon, the firm's attorneys present it to court for a formal order, after which the client pays through a registered Payment Distribution Agency for the duration of the plan, typically between 36 and 60 months.
On the matter of fees, the NCR regulates what debt counsellors may charge. This includes a once-off restructuring fee and a monthly aftercare fee, commonly capped at 5% of the monthly distribution amount up to a maximum of R450. Debt Rescue's website does not publish a specific fee schedule, so prospective clients should request a full breakdown during the initial consultation and confirm that all fees fall within NCR guidelines. Similarly, while Debt Rescue is described as a registered debt counselling firm, their NCRDC registration number is not prominently displayed on their public website, and consumers are encouraged to verify this directly with the National Credit Regulator at ncrportal.ncr.org.za before engaging any debt counselling firm.
Customer feedback for Debt Rescue is notably strong. Across multiple independent review platforms, they carry ratings of 4.9 out of 5 from over 1 400 reviews and a score of 10 out of 10 from more than 2 100 reviews. On Trustpilot, they hold a 4.8 from 228 reviews. Reviewers frequently commend specific consultants by name, highlighting responsiveness, clear communication, and genuine care. Recurring positive themes include efficient resolution of queries, the professionalism of individual relationship managers, and the relief of no longer being contacted by creditors.
Overall, Debt Rescue presents as a well-established, consumer-focused debt counselling firm with a strong service record and genuine credentials in the South African debt relief space. Their 18-year history, high review scores, dedicated relationship manager model, and clear adherence to the Section 86 process make them a credible option for over-indebted South Africans seeking legal protection and a structured path to a debt-free future. As with any debt counselling engagement, consumers should ensure they understand the full duration of the process, the impact on their credit profile during the review period, and the complete fee structure before signing any agreement.
User Reviews (212)
My experience with Debt Rescue has …
My experience with Debt Rescue has truly outstanding. Owen Naidoo and the entire team have consistently demonstrated dedication, and genuine care throughout my debt review and annual review journey. Whenever I needed clarity, reassurance,the team was always there to guide me with patience and understanding Thank you once again, Owen Naidoo, for all your assistance and support during the process. Regard Fk
To Trisha and Bongani
To Trisha and Bongani Thank you for assisting with what has happend and i do apologize for my rudeness. You are kind and warm people and was uncalled for from my side. Hope you can accept my apology
Review
Owen Naidoo made the process quote smoothe and effortless. Debit Rescue has always been accommodating and understood my plight from day one. Thank you for your continued support
Owen Naidoo
From the beginning I've had good service. I'm always being kept up to date. Owen Naidoo has also been amazing in my annual review. Weel Done!
Thank You!
I have only received good service from the team at debt rescue. Particularly, when I needed a grace period...Owen Naidoo really simplified the entire process. Thanks!
I can ONLY say a big thank you to Dept…
I can ONLY say a big thank you to Debt Rescue! All you ladies are fantastic and I received the best service from day one in 2021, COVID-19 wasn't kind to my debt, but you saved me, helped me every step of the way! I am Debt free and about to receive my clearance certificate and dept flagged removal! Lucy, Eklesista, Beyonce and everyone I missed out, thanks you!! You're seriously the best team, business and people in South Africa! Regards Leon Rossouw
Awesome service from Sha-Sha-Lee…
Awesome service from Sha-Sha-Lee Gordon. Since I started the process to remove the debt review she has been assisting me and keeping me updated of all changes. Really appreciate her prompt responses, kindness and professionalism in handling my case. High Five to her.
Debt Review Process
I was terrified making the decision to place myself under Debt Review in 2020 when my salary was slash in half and had to finance my daughters through University as a single dad. I've done my research and chose Debt Rescue after extensive due diligence. I am happy and so relieve that I am approaching the end of this process and that Debt Rescue stood with me for the last 5 years. I will be completely debt free within the next few months. Debt Rescue accounted for every cent that I spend in the process. It was worth it. Shammie also assisted me to get refunds from the Creditors when and where they were overpaid. Remember Creditors will never acknowledge over payments . But having Debt Rescue by your side make them more conscious and aware to be fair and reasonable. Thank you Shammie and Debt Rescue for standing by me and making me strong. Debt is sometimes necessary but it must be made responsibly for the right reasons. Michael Dhlamini, Cape Town
Debt Rescue are very professional
Debt Rescue have handled my debt review process very well. Owen Naidoo has done my annual review and everything is still on track. Looking forward to being debt free again. Thank you so much.
Great service
When dealing with the right consultant, this company is amazing. So shout out to Marlize van Wyk - you make things happen and you make them happen SUPER efficiently. Thanks for all your help.
Great service from Owen Naidoo
A quick and swift response from the specialist Owen Naidoo !!. It is great to have a personalised service when you communicate with Debt Rescue because it shows you are not just a client but are valued. Great service from Owen, keep it up and do the same to others
Debtrescue saved my life
During Covid it felt like the end of the world to me, and I did everything to keep going and keep my home. Without them not only stepping in to help me, but also giving me the expert advice that they did and the things I knew nothing about, I don't think I'd still be standing here today. I just want to give a shout out to Greg Best and Owen Naidoo for everything that they've done for me.
Review for Debt Rescue
Review for Debt Rescue Rating: ★★★★★ (10/10) I cannot recommend Lornah from Debt Rescue highly enough. From the very beginning, she has been extremely quick to help and clarify any questions I had. No matter when I need assistance, she is always on call and incredibly fast to reply, making sure I feel supported every step of the way. The service provided is 100%—a true 10 out of 10. If you are seeking help in this area, Lornah is the person to go to. I would recommend Debt Rescue to anyone who needs help because that is exactly what they do: they help people. There is absolutely no need to feel any shame; it is so much better to have the help you need than to go without it. If you're looking for a team that genuinely cares and acts fast, this is it!
Memor is the most pleasant Consultant…
Memor is the most pleasant Consultant ever very caring. Keep up the good work
I recommend Debt Rescue
I cannot recommend Debt Rescue highly enough. Interactions with the staff of Debt Rescue are always knowledgeable and friendly and addresses any questions promptly and efficiently. My latest interaction was with Owen Naidoo. From the very first interaction, Owen was professional and gave feedback in a quick timeframe. Thanks to the Debt Rescue team, I now have peace of mind and a clear path forward. If you’re looking for a company that combines expertise with compassion, Debt Rescue is the right choice.
Good service .
I worked with lornah from debt rescue and i am very satsified with her service . Such a breath of fresh air , very kind , helpfull and patient. Will recommend to everyone. Keep up the good work
It is now my second time that Debt…
It is now my second time that Debt Rescue came to aid and help me manage and live again, Owen Naidoo and the Debt Rescue Team have been nothing but the most professional team I expected them to be. Would highly recommend Debt Rescue Also a shout-out to A van der Poole Neil Fitzgerald Grace Nyamane Legals Department Enquiry Department Debt Rescue Support Team
The team at Debt Rescue is outstanding
The team at Debt Rescue is outstanding, making sure I am up to date with every thing every step of the way… communication is great, the one consultant Memory is brilliant in her field of work, making sure that every thing is communicated to me and that I understand what’s going on and what’s going to happen. Thanks for assisting me Memory. Great job.
You are incredibly helpful
My experience with dept Rescue has been outstanding and helped me a lot. The best and friendliest assistance you can ask for. Thank you Owen Naidoo
Excellent Customer Service - Shammie Moonsamy
I have been a customer of Debt Rescue's for the past 4 years now. Shammie Moonsamy has always been my go to person for prompt response and support. She goes over and beyond to assist her clients providing great advice , guidance and support. She always provides timeous feedback and even assists in queries that isn't her own providing feedback and guidance. She has made my dealings with Debt Rescue simple and stress free. She is dedicated to her role and is really an asset to her team. Thank you Shammie
Showing 20 of 212 reviews
Contact Debt Rescue
Frequently Asked Questions
What services does Debt Rescue offer?
Debt Rescue offers debt counselling, formal debt review under Section 86 of the National Credit Act, debt consolidation planning, and structured debt repayment solutions. They also provide guidance on credit bureau listings and assist clients through the process until a clearance certificate is issued.
Is Debt Rescue registered with the NCR?
Debt Rescue is described as a registered debt counselling firm operating under the National Credit Regulator. All practising debt counsellors in South Africa are required to hold a valid NCRDC registration number issued by the NCR. Consumers can verify any debt counsellor's registration status directly on the NCR's public portal at ncrportal.ncr.org.za.
How long does the debt review process take with Debt Rescue?
The debt review process typically takes between 36 and 60 months, depending on the total amount owed, the number of creditors involved, and the restructured monthly payment amount. The process concludes once all included debts are settled in full, after which a clearance certificate is issued and the debt review flag is removed from the client's credit bureau profile.
What fees does Debt Rescue charge?
Debt counselling fees in South Africa are regulated by the National Credit Regulator. These typically include a once-off application fee, a restructuring fee, and a monthly aftercare fee commonly capped at 5% of the monthly distribution amount up to R450. Debt Rescue does not publish a specific fee schedule on their website, so prospective clients should request a full written breakdown during the initial consultation to confirm compliance with NCR guidelines.
Can I take out new credit while under debt review?
No. Once you are formally placed under debt review, you are legally prohibited from applying for or accessing any new credit facilities for the duration of the process. This is a requirement of the National Credit Act and is intended to help you focus entirely on settling your existing obligations. Credit access is restored once all debts are settled and a clearance certificate has been issued.
What happens when I complete the debt review process?
Once all debts included in your debt review plan have been fully settled, your debt counsellor issues a clearance certificate, also known as a Form 19. This certificate is sent to all relevant credit bureaus and credit providers, confirming that you have fulfilled your obligations. Your debt review flag is then removed from your credit profile, and you are free to apply for credit again.
Will my assets be protected while I am under debt review?
Yes. Once you are formally placed under debt review under Section 86 of the National Credit Act, your credit providers are legally prohibited from taking action to repossess your home, vehicle, or other assets, and may not pursue new legal proceedings against you for the duration of the review. This legal protection is one of the primary benefits of the formal debt review process.
How do I get started with Debt Rescue?
You can start by completing a free online debt assessment on the Debt Rescue website at debtrescue.co.za, or by calling them on 086 112 3644. You will be asked to provide basic information about your income, monthly expenses, and current debts. A debt counsellor will then review your situation and advise whether formal debt review is the appropriate solution for your circumstances.