8.3/10
Our Score
Rating Breakdown
24 reviews
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🛡️ Our Honest Take
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.
All Reviews (24)
Thank you Zerodebt for being so prompt…
Thank you Zerodebt for being so prompt and helpful. Bongiwe provided friendly service and Willem also kept me up to date every step of the way. I can honestly say I am happy with the choice I made. Thank you Team
Mary Ann was an amazing consultant and person14
Mary Ann was extremely helpfull she was very attentive,her service was amazing,excellent and wonderful,she was attentive when I needed help of questions answered.Zerodept gave hope and reassurance of a better financial future a dept free future
Good day to whom it may concern
Good day to whom it may concern I had a very difficult time in the beginning to understand what the Process of Debt Review mean and what it could cause. With Zero Debt I paid up all my accounts and all that big burden I've carried through the process, I finally understood the process and now I'm debt free. I thank my debt counselor for the communication through the debt review Process and letting me know what to do or not to do. I'm thankful for Zero Debt and their professionalism
Great services but they can do better
to be honest zero debt helped me a lot and really grateful to them for managing my debts, i would have rated them 5 stars but after finding out that my railway, nimble and mbd accounts had missed payments on credit bureaus like Experian that really broke my heart and even after disputing them it did not help. i mean how can i have missed payment while I'm under debt review it did not make sense but anyway i guess what's done is done. thank you zero debt.
I wouldn’t recommend anyone to get into…
I wouldn’t recommend anyone to get into debt review
Great Service ZeroDebt …
They were very helpful and patient during the entire process. I am so grateful with what ZeroDebt have done for me.
Immense gratitude
Firstly, what was great was Willem. From the beginning of this journey to date, Willem has been an anchor in my life. There are not enough words to describe this amazing person who has held my hand through this terrible time. He is an asset to ZeroDebt but to me he is the person that kept me sane. Especially today, I was in a very bad headspace but Willem took control and put everything that needed to be done in place to reclaim my peace. I am so grateful and I pray he always finds God's favour. I feel like he's family after today. To make a consumer feel that peace is a gift and a blessing to every person he assists at ZeroDebt. I am thankful, grateful and so much more for how good he is not only at his job but the people he so dedicatedly helps with debt issues. Thank you so very much, God bless you, Willem. 🙏🏽🌹🙏🏽
Very professional & informative about…
Very professional & informative about the process....Willem
The service I received from zero debt…
The service I received from zero debt is out of this world ,very satisfied. From Bongie to Willem.I highly recommend this company.
I always have a good experience with…
I always have a good experience with zero debt. Thank you Willem
I thank Mary-Ann who help with my debt…
I thank Mary-Ann who help with my debt for clear all my debt order so I'm free now thanks alot zerodedt do to other people
I recommend the Company because they…
I recommend the Company because they have walked the road of debt review with me before and it really helped,I could manage to breathe and also be able to save money during the time then I could also try and double the payments when I could which led me to pay off those debts before the set time
Service is fast and reliable
Service is fast and reliable, thanks again To Willem
I delt with Dorcas @ zero debt
I delt with Dorcas @ zero debt, best service ever. My house was saved from repossession. I am always greaful. I am even afraid to leave Zero debt. The way I feel comfortable ..
No word to descripe debt zero heard it…
Mr Chrstiaan and Mr Willem help me with every advise i need No word to descripe debt zero heard it from another client after finishing with them his credit score boost and so far for me they are understanding and they help me with this proses and not gonna lie they are the best and i only trust them 😊😊😊😊😊😊
very helpful and highly recommend
very helpful and highly recommend
I dealt with Willem and Dorah of Zero…
I dealt with Willem and Dorah of Zero Debt and I must say the service was excellent. They were quick and attentive and answered all my questions promptly. Its been a difficult journey but youve made it so much easier. Forever thankful.
Freedom
Iyoooo being in debt review it's not an easy thing, one just need to commit and one has to think of positive end results. I would like to warmly thank Dorcas Ndlovu, who helped me with the whole process and she was transparent and honest about debt review, that the first few months I might not see progress but I should at least give it 6 to a year but by the 4th month I started seeing progress. and decided to stay, also highlighting that might be people who will try to talk me out of Dr but I must not lose focus, as at the end of the day it's about me. Today I am 100% debt free, financially stable and in control. I have learned a lot, debt life is prison trying dodging/avoiding all those calls from creditors, making up stories of why you failed to pay or missed payment. Thanks to Zero DR I am officially free from that. Deep warm thank you also to Jacky Lakay assisting with follow ups to make sure the red flag is indeed removed. I believe and hope one day more education about debt review (DR) will be put out the, as the is so much misinformation and misconceptions about the whole thing, alerting and educating people about scam debt review companies and scammers telling you to pay certain amount for red flag to be removed within 12 to 24hrs. Above everything from the bottom of my heart thank you to all the staff at Zero Debt Review.
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!
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