9.1/10
Our Score
Rating Breakdown
204 reviews
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🛡️ Our Honest Take
Legal & Debt Solutions is a dedicated South African debt counselling firm operating from offices in Mount Edgecombe, KwaZulu-Natal, and Fourways, Johannesburg. The company focuses exclusively on helping over-indebted South African consumers restructure and resolve their debt obligations through formal and informal debt relief mechanisms. Their service offering spans debt review, debt counselling, debt consolidation, and broader debt solutions, positioning them as a comprehensive resource for consumers at various stages of financial distress.
The debt counselling process at Legal & Debt Solutions follows the standard framework established by the National Credit Act. Once a client makes contact, a consultant assesses their financial situation to confirm over-indebtedness. If the client qualifies, the formal Section 86 debt review application is submitted, notifying all relevant creditors and credit bureaus. The debt counsellor then negotiates reduced repayment terms and lower interest rates with each creditor, consolidating all obligations into a single affordable monthly payment. Case studies published on the company's website illustrate meaningful outcomes: one example shows a client's monthly repayments reduced from R62 800 to R31 530 with the interest rate dropping from 32.5% to 7%, while another reflects a reduction from R18 408 to R11 200 with the rate falling from 26.5% to 4%. These figures, while specific to individual circumstances, reflect the genuine potential of the debt review process when negotiated effectively.
On the subject of fees, Legal & Debt Solutions explicitly advertises no upfront fees, which aligns with good industry practice and NCR guidelines. The NCR regulates the fees that debt counsellors may charge, including a once-off restructuring fee and a monthly aftercare fee typically capped at 5% of the monthly distribution or R450, whichever is lower. However, the company's website does not detail its specific fee schedule, and prospective clients are advised to request a full written fee disclosure before committing to the process, as required by the NCA.
Customer feedback for Legal & Debt Solutions is notably positive, with a high trust score based on a substantial number of verified reviews. Recurring themes in client feedback include praise for individual consultants, with staff members such as Thandi, Zitho, and Tafa mentioned by name for their professionalism, clarity of explanation, and empathetic approach. Clients consistently highlight the relief of having a clear plan in place and being protected from creditor pressure. This level of personalised service is an important differentiator in a sector where clear communication can make a significant difference to client confidence and outcomes.
Overall, Legal & Debt Solutions presents as a credible and client-focused debt counselling service with demonstrated results and strong customer satisfaction. The main area for improvement is greater transparency on their website regarding NCR registration credentials and fee disclosures. Prospective clients should request the company's NCRDC registration number and a full written fee breakdown before signing any agreements. Subject to that verification, Legal & Debt Solutions represents a solid option for over-indebted South Africans seeking a structured, legally protected route to becoming debt-free.
Latest Reviews (showing 40 of 204)
Top notch company
What an amazing transition. I would rate this service over and over again if you need a debt review service then LDS is the place to go always answered my calls and got back to be soon as possible. Yugen what an amazing soul she made the process so mush faster.
Patient lady Zitho
The lady that was helping me, her name is Zitho was very helpful and patient with me. She made sure I understood the process. I would recommend her to anyone.
I dealt with Zitho who was friendly and…
I dealt with Zitho who was friendly and confident really appreciated that the office was located in Umhlanga and had the best experience dealing face to face not just on fone or email . Well done !44
Many thanks for the assistance towards…
Many thanks for the assistance towards me. You have been extremely efficient throughout this journey of mine. I am therefore very grateful. Kindest Regards Veronica Dippenaar
I had a very good service experience…
I had a very good service experience with Thandi
Tandi o thusise hantle and i…
Thandi o thusise hantle and i understand everything she explained to me.
Good communication and service,thank…
Good communication and service,thank you so much Zitho.
Efficient!
Smart, efficient with 0 hassles. Thanks to the team I was able to reconstruct my debts and get me back to where I need to be.
Respect,kind and helpfull from Tandi.I…
Respect,kind and helpfull from Tandi.I appreciate her service
Great Experience
My experience was great, smooth and hassle free. I really appreciate the Legal & Debt Solutions team and a special thanks to Tafa!
Tandi minty
Ngiyabonga kwi company ngosizo
Thandi
Thandi Happy Thandi assist me Thandi Happy, Thandi assist me
Thandi
The productive is great, Thandi's approach and clear communication made the process super smooth. Thank you.
Excellent speaker
Excellent speaker Friendly conversation Straight to the point Understanding Knows her job very well
The respond and feedback I always get…was always on point
The respond and feedback I always get went I inquire and the assistance given everytime I get massages from places I owed money
Thanks for your help Sis Thandy♥️😘
Thanks for your help, I really appreciate all of your hard work 👏❤️😍and I hope this it will help me a lot thank you so much 😘😍♥️
“TANDI” first off all she was so good…
“TANDI” first off all she was so good like everything was so clear she made me believe that on this viva Lgal & debt solutions viva tandi👌
Thandi tshangase
They good at they work , they know how to help someone, I'm so great full to meet you guys
Yugen was the most patient and graceful…
Yugen was the most patient and graceful rep i have ever met. Quick response very helpful. Lds you have GOLD in her!!!!!
I would wish to behelp by Thandi In…
I would wish to behelp by Thandi In future cause she is accurate with time and. Good approach and she know how to do follow up wish she do it for other clients Im impressed.
Most impressive is Yugen's response…she had never left any query unresolved.
Most impressive is Yugen's response time to any query as well as resolving it so expeditiously. She even went to the extent of attending to matters on a weekend! Always ready to satisfy me .
Zitho has been such a help and she made…
Zitho has been such a help and she made me so aware and explained everything so that I could understand exactly what I am getting myself into ... a life changer
I haven't received anything yet
I haven't received anything yet
Tandi was very patient and she if very…
Tandi was very patient and she if very good at communicating she doesn’t just go straight to the point she makes jokes along to make sure you are comfortable and I am looking forward to be helped by her again 🥰🥰
Tandi was very helpful and offered the…
Tandi was very helpful and offered the best service.
Thandi
I'm happy about your service..I will refer you to other people.thandi she a good person when comes to her service.
Excellent
Friendly and professional service from Zithobeni
Great service
The operator,Tandi responded fast,spoke clearly and was very helpful.
It was that Zitho was active listener…
It was that Zitho was active listener we had clear communication , she also help alot I had too much stress personalized solutions . The company offers professional debt rescue , risk free debt collection services with rating of 4.9/5
Thank you so much to Zithobile
Thank you so much to Zithobile. Such an amazing agent. She took me through the whole process and made sure that I understood each and every step. I would definitely refer other people to you because of her patience and amazing work ethics.
I had a conversation with Zitho and I…
I had a conversation with Zitho and I truly appreciate the support she gave me, She was patient through the process we need people like her she knows her job very well keep it up my Sister thank you so much Zitho may our God protect you and your Family.
feedback emmediatly
For all my questions and conserns to be answered in no time..thanku. Thandi
Tandi explained everything indetail
Tandi explained everything indetail. After speaking with her I could feel my financial freedom is here! Thank you much TANDI!
Fantastic team that helped me though my…
Fantastic team that helped me though my debt free journey. Very prompt and effective. Special thanks you Valerie for giving me the trust to go through this journey even when I was doubtful. and Leonie who helped me through all the paperwork I needed when I was landing in this journey. I will recommend LDS to anyone who is serious about getting out of debt. Cheers
I had a very good experience with Debt…
I had a very good experience with Debt Review Company. Their service was professional, reliable, and efficient from start to finish. The team was helpful, responsive, and made the whole process smooth and stress-free. I really appreciate their attention to detail and customer support. I would definitely recommend them to anyone looking for quality service.
This was great and I feel good with…
This was great and I feel good with this service. Tandi is a good person
Thando
Yeah it’s was great thandi is a quick efficient work and Is know how to work work with people 🙏🙏
Tandi
Experience was great and i could recomment it to someone who is in the same situation as me.
I had a conversation with Zitho and I…
I had a conversation with Zitho and I truly appreciate the support she gave me. She was incredibly patient throughout the process. Even when I missed her calls, she never gave up — she would send a message and call me at the exact time I said I would be available. At a time when I was feeling very stressed and overwhelmed, she remained calm and reassuring. She assured me that I would get the help I needed and took the time to explain everything clearly until I fully understood. She answered all my questions and addressed all my concerns with professionalism and kindness. Her support made a very big difference to me
Good and fully understand
Good and fully understand
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