Debt counselling, also known as Debt Review, is a legal process under the National Credit Act (NCA) that helps over-indebted consumers:
– Combine all debts into one affordable monthly payment
– Receive legal protection from creditors and collections
– Stop repossessions and summonses
– Secure lower negotiated interest rates and extended repayment terms
– Rebuild their credit profile over time
Debt counselling gives you breathing room and a structured plan to get back on track.
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We review your financial situation to determine if you qualify for Debt Review.
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We review your financial situation to determine if you qualify for Debt Review.
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Once you’re accepted, you’re immediately protected from creditor harassment.
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Once you’re accepted, you’re immediately protected from creditor harassment.
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We negotiate lower payments and rates with your credit providers.
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We negotiate lower payments and rates with your credit providers.
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You pay one simplified instalment through a registered Payment Distribution Agency (PDA).
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You pay one simplified instalment through a registered Payment Distribution Agency (PDA).
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Once all debts are repaid, your name is cleared, and your credit record resets.
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Once all debts are repaid, your name is cleared, and your credit record resets.
Administered under Edu-Debt, the debt-counselling process is professionally managed, transparent, and fully compliant with NCR regulations.
Registered and compliant: Every client is protected under South African credit law.
The Financial Educator/Edu-Debt has given me financial freedom Anwar Barendse is an exceptional financial educator! His ability to simplify complex financial concepts makes learning accessible and engaging. His passion for empowering individuals with financial knowledge shines through in his work. Highly recommend his resources for anyone looking to improve their financial literacy and achieve their goals."
Before I connected with Edu-debt, I was financially overwhelmed, emotionally drained, and constantly stressed. I found it difficult to manage life and found myself it total darkness, feeling like a failure. Their service has been a true lifeline.
From the very beginning, they approached my situation with professionalism, compassion, and genuine care and I realised that I wasn't just another 'number' ticked working via a call centre. They didn’t just provide a service — Anwar provided reassurance, guidance, and a sense of calm during a time when I felt completely stuck. He has helped me see a clear path forward, and in doing so, lifted an incredible weight off my shoulders.
Thanks to their support, I now feel confident and hopeful. I am deeply grateful for the difference they’ve made and truly and highly recommend them.
I have never been happier with my decision of using this company im not just a number im viewed as a person, the transparency and been guided through and through is totally amazing.
Debt counselling services are administered under Edu-Debt, an NCR-registered debt-counselling company. Educational tools and coaching services are provided by The Financial Educator. All services are confidential, compliant, and conducted with client consent.
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