Zerodebt
Debt Counselling · 6 reviews
#6
Rank
8.3/10
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 Review
- ✓Debt Counselling
- ✓Debt Consolidation
Top Loans from Our Experts
Pros & Cons
Advantages
- ✓ Established since 2009, bringing over 15 years of debt counselling experience in the South African market
- ✓ NCR-registered debt counselling company, ensuring full compliance with the National Credit Act and NCR fee regulations
- ✓ Exceptional client satisfaction rating of 4.9 out of 5 based on more than 730 verified Google reviews
- ✓ Legal protection from creditor harassment, repossession, and garnishee orders once formally under debt review
- ✓ Negotiates reduced interest rates on credit cards, personal loans, and store accounts with creditors directly
- ✓ Dedicated named DebtFree Consultants assigned to clients, providing personalised support throughout the process
- ✓ Comprehensive suite of online tools including a debt calculator, budget calculator, and debt-to-income ratio tool to help clients understand their position
Disadvantages
- ✗ Debt review is a long-term commitment, typically taking between 36 and 60 months to complete depending on the total outstanding obligations
- ✗ Your credit profile is flagged with a debt review status at all credit bureaus during the entire review period, limiting access to further credit
- ✗ You cannot apply for or take on any new credit agreements while under debt review, which may feel restrictive for some consumers
- ✗ The process requires consistent monthly payments into the debt review plan; missed payments can jeopardise the court-approved repayment arrangement
- ✗ Debt review fees, including a restructuring fee and monthly aftercare fee, are applicable, although these are regulated by the NCR
- ✗ NCR registration number (NCRDC format) is not prominently published on the website, making independent verification less straightforward for consumers
- ✗ Not suitable for consumers who are unemployed or have no regular income, as a structured repayment plan requires demonstrable monthly cash flow
About Zerodebt
Zerodebt is one of South Africa's most recognised NCR-registered debt counselling companies, helping over-indebted consumers restructure their financial obligations and work towards becoming debt-free. Operating since 2009, the company has assisted thousands of South Africans through the formal debt review process as governed by the National Credit Act 34 of 2005, earning a 4.9 out of 5 rating based on more than 730 verified Google reviews.
Through a structured Section 86 debt review process, Zerodebt's qualified consultants assess each client's full financial picture, negotiate directly with creditors to reduce interest rates and extend repayment terms, and consolidate all outstanding obligations into a single, affordable monthly payment. The process also provides immediate legal protection, preventing creditors from pursuing repossession, garnishee orders, or direct harassment once the review is formally underway.
Zerodebt offers debt review, debt counselling, and debt consolidation services, supported by a team of named DebtFree Consultants who guide clients from initial assessment through to the issuing of a clearance certificate. For South Africans feeling overwhelmed by multiple creditor obligations, Zerodebt positions itself as a regulated, transparent, and experienced partner on the road to financial recovery.
How Does Zerodebt Work?
The Zerodebt process begins with a free, obligation-free callback consultation during which a DebtFree Consultant assesses your income, living expenses, and full list of creditors to determine whether you qualify as over-indebted under the National Credit Act. Once accepted, Zerodebt formally notifies all credit providers and the credit bureaus in terms of Section 86 of the NCA, at which point creditors may no longer contact you directly. The team then negotiates with each creditor to restructure repayment terms and reduce interest rates, consolidating all obligations into a single affordable monthly payment based on what you can realistically afford after essential living expenses. Zerodebt's specialist debt review attorneys apply to the court to have the restructured repayment plan made a legally binding court order, providing full legal protection throughout the repayment period, until a clearance certificate is issued once all debts are settled.
Requirements
- South African resident with a valid South African ID document
- Regular, verifiable monthly income sufficient to cover basic living expenses and a structured repayment amount
- Demonstrably over-indebted, meaning your monthly debt repayments exceed what you can reasonably afford after living costs
- A full list of all current creditors and outstanding account balances
- Recent payslips or proof of income (typically the last three months)
- Recent bank statements (typically the last three months) reflecting income and expenditure
- Not currently subject to a sequestration order or existing debt administration order
Who Is Zerodebt Best For?
Zerodebt's debt review service is best suited to South African consumers who earn a regular income but are struggling to meet monthly repayment obligations across multiple credit agreements, including credit cards, personal loans, vehicle finance, or store accounts. It is particularly valuable for individuals who are facing creditor harassment, the threat of legal action, or repossession of assets, and who need both immediate legal protection and a sustainable, long-term plan to become debt-free. It is not appropriate for consumers with no income, those who are already sequestrated, or those seeking a quick short-term fix rather than a structured multi-year debt restructuring process.
Is Zerodebt Safe & Legit?
Zerodebt is an NCR-registered debt counselling company, meaning it operates under the regulatory oversight of the National Credit Regulator and must comply fully with the National Credit Act 34 of 2005. The NCA provides consumers with significant protections during the debt review process, including the prohibition of creditor contact and legal action once Section 86 proceedings have commenced, as well as NCR-regulated fee caps on restructuring and aftercare fees charged by debt counsellors. Consumers are further protected by the requirement that the restructured repayment plan be confirmed by a court order, making the arrangement legally binding on all parties.
Registered Credit Provider (NCR)
Our Full Review
Zerodebt has established itself as one of South Africa's leading debt counselling companies since its founding in 2009. With more than 15 years of experience in the sector and an NCR registration that confirms its compliance with the National Credit Act, the company has built a strong reputation for helping over-indebted South Africans regain control of their finances. The brand's impressive 4.9 out of 5 Google rating, drawn from over 730 verified client reviews, reflects a consistent track record of positive outcomes and high service standards across a large client base.
The debt review process at Zerodebt follows the formal Section 86 procedure prescribed by the National Credit Act. It begins with a free assessment call, during which a DebtFree Consultant evaluates the client's income, expenses, and total debt obligations to determine over-indebtedness. Once accepted, Zerodebt notifies all creditors and the credit bureaus, triggering immediate legal protection. The company then negotiates with each credit provider to reduce interest rates and extend terms, consolidating all repayments into a single monthly amount the client can realistically afford. Specialist debt review attorneys obtain a court order confirming the restructured plan, after which the client makes monthly payments through a payment distribution agency until all debts are settled and a clearance certificate is issued.
On the matter of fees, Zerodebt operates within the NCR's regulated fee structure. Debt counsellors in South Africa are permitted to charge a once-off restructuring fee as well as a monthly aftercare fee, typically capped at 5% of the monthly instalment up to a maximum of R450 per month. While Zerodebt does not publish its specific fee schedule prominently on its website, all NCR-registered debt counsellors are legally bound by these maximums, providing consumers with a degree of cost certainty. Prospective clients are encouraged to confirm the applicable fees during their initial consultation.
Customer feedback about Zerodebt is overwhelmingly positive. Reviewers consistently highlight the professionalism, patience, and communication skills of named consultants including Willem, Natasha, Masetshaba, Bongie, Martha, Elizabeth, and Rochelle, among others. Several clients noted that they were guided through the process with clarity and compassion during what is often a stressful period. A small number of Trustpilot reviews, though fewer in number, echo the same sentiment, with clients specifically crediting Zerodebt for helping them obtain their clearance certificates and exit the debt review process successfully.
Overall, Zerodebt presents a credible, well-reviewed, and experienced option for South Africans who are genuinely over-indebted and seeking a structured, legally compliant path to financial freedom. The combination of long operating history, strong client ratings, legal protection under the NCA, and personalised consultant support makes it a compelling choice in the debt counselling category. As with all debt review processes, prospective clients should approach the commitment with a clear understanding that the process spans several years and requires consistent monthly payments, but for those who see it through, the reward is a clearance certificate and a fresh financial start.
User Reviews (6)
Debt-Free and Back in Control
Zero Debt has truly transformed my financial journey. When I started, I was overwhelmed and struggling to manage my debt, but their team provided structured support, clear guidance, and a disciplined approach to debt restructuring. The process itself was not easy—it required commitment, patience, and strict financial discipline. However, the Zero Debt team walked the journey with me every step of the way, ensuring I stayed on track and understood the long-term value of the process. Today, I am completely debt-free, financially stable, and in full control of my finances. I’ve even been able to achieve milestones I once thought were out of reach, including purchasing a home and managing my money with confidence. If you are serious about taking control of your finances and are willing to commit to the process, Zero Debt is a partner you can trust. The journey may be challenging, but the outcome is absolutely worth it
Outstanding Service from ZeroDebt
Rating: ⭐⭐⭐⭐⭐ I am very grateful to ZeroDebt for helping me obtain my clearance certificate. A special thank you goes to Jacky Lakay, who I believe is a team leader. Jacky made sure my certificate was sent to all the credit bureaus and kept following up until my name was completely cleared. I truly appreciated the dedication and persistence—she didn’t stop until my record was clean. Thanks to her efforts, I now have peace of mind knowing my name is no longer flagged. ZeroDebt delivered on their promise, and Jacky’s commitment made the whole process much smoother. Highly recommended!
Great customer service would like to…
Great customer service would like to thanks Jamiela who was helping me thrrough this journey keep up the good work 10/10.
Zerodebt helped me so fast and…
Zerodebt helped me so fast and professional. I was out of debt rewiew under 2years and reffered my friends who are also very satisfied.
Zerodebt has been life safers as I got…
Zerodebt has been life safers as I got myself into debt by not using the right mindset. Also recommended them to a few friends already who they helped
Thanks ZeroDebt
Thanks ZeroDebt. You are the best!
Contact Zerodebt
Frequently Asked Questions
What services does Zerodebt offer?
Zerodebt offers debt review (the formal Section 86 process under the National Credit Act), debt counselling, and debt consolidation. These services help over-indebted South Africans restructure their existing obligations into a single affordable monthly repayment, with reduced interest rates negotiated directly with creditors. Zerodebt does not provide loans or any form of credit.
Is Zerodebt registered with the NCR?
Yes, Zerodebt is an NCR-registered debt counselling company, meaning it is authorised by the National Credit Regulator to provide debt review services in South Africa. NCR registration is a legal requirement under the National Credit Act 34 of 2005 for any entity offering debt counselling or debt review. Consumers can verify the registration by requesting the company's NCRDC number directly.
How long does the debt review process take?
The debt review process at Zerodebt typically takes between 36 and 60 months, depending on the total amount of debt owed and the restructured repayment terms negotiated with creditors. Some clients have reported completing the process in under two years where their debt levels allowed for faster settlement. The process ends when all debts under review are fully paid and a clearance certificate is issued.
What fees does Zerodebt charge?
As an NCR-registered debt counsellor, Zerodebt must comply with the NCR's regulated fee structure. This includes a once-off restructuring fee and a monthly aftercare fee, which is typically capped at 5% of the monthly instalment with a maximum of R450 per month. Specific fee amounts should be confirmed with a Zerodebt consultant during your initial free assessment, as fees are tailored to your individual repayment plan.
Can I take out new credit while under debt review?
No. Once you are formally placed under debt review in terms of Section 86 of the National Credit Act, you are not permitted to apply for or enter into any new credit agreements for the duration of the review period. Your credit profile will reflect a debt review flag at all credit bureaus, which effectively prevents new credit from being granted. This restriction is lifted once you receive your clearance certificate.
What happens when I complete the debt review?
Once all debts included in your debt review plan have been fully settled, Zerodebt will issue a clearance certificate on your behalf. This certificate is submitted to all major credit bureaus, which are then required to remove the debt review flag from your credit profile. From that point, you are free to apply for new credit and begin rebuilding your credit record.
Will creditors stop contacting me once I am under debt review?
Yes. Once Zerodebt formally notifies your creditors and the credit bureaus that you are under debt review, credit providers and debt collectors are legally prohibited from contacting you directly for payment. All communication must go through your debt counsellor. This legal protection is one of the key benefits of the formal Section 86 process under the National Credit Act.
Who qualifies for debt review through Zerodebt?
To qualify for debt review, you must be a South African resident with a regular monthly income and be demonstrably over-indebted, meaning your monthly debt repayments exceed what you can reasonably afford after covering basic living expenses. You will need to provide a valid South African ID, recent payslips or proof of income, recent bank statements, and a full list of your creditors. Consumers who are unemployed or already sequestrated do not qualify for debt review.