Fix Debt (Pty) Ltd is registered with the National Credit Regulator and provides a full range of consumer debt solutions. We are based in Johannesburg, however we assist clients all over South Africa. We understand that debt is a very personal matter and that it is a huge responsibility to put your finances in our hands. Our experienced and very capable consultants will go above and beyond to provide an affordable means for you to get out of debt as quickly as possible.
Debt Review (also known as Debt Counselling) is a legal process which falls under the National Credit Act with the objective of providing financial relief to over-indebted consumers. Through this process, we will formally negotiate with your creditors to reduce your monthly repayments and interest rates. We will also protect your assets from repossession and stop harassment by debt collectors.
We offer no-loan consolidation of debts through the debt review process. If you are over-indebted and falling behind with your debt repayments, debt consolidation can protect your assets by arranging a structured, affordable repayment plan. The lower interest rates we negotiate can save you tens of thousands of Rands in principal payments.
Approximately 40% of South Africa’s 25 million credit users experience financial stress which can adversely impact the bottom line. At Fix Debt, we undertake a comprehensive ‘Debt Health Check-up’ for each employee based on a current credit report and implement the appropriate debt relief measures to resolve financial stress and improve morale and productivity.
Our Debt Counselling Process
FREE COnsultation
Free consultation complete the contact form or send us a Whatsapp message and we will call you back to discuss your financial situation.
Assessment
We assess your financial situation by reviewing your income, living expenses and debt repayments to determine if you are over-indebted.
Develop Plan
We reduce your monthly payments by negotiating lower interest rates and repayment period extensions with your credit providers.
Implement Plan
We formalise your new arrangement with a court order. You now make one affordable monthly payment for all debts and live a stress free life.