Debt Counselling in South Africa with Victor Debt Counselling
NCR Reg: NCRDC4534Debt-Free Tomorrow, Starts Today.
WHY TRUST US
Fast and Effective Relief
Quick Enrollment Process: Our steamlined enrollment process gets you started on the path to debt relief in as little as 2-24 hours. Rapid Progress: Our Expert negotiators work diligently to reduce your debt, with many clients seeing significant progress within 12-24 Months. Ongoing Monitoring: We continuously monitor your progress, ensuring you stay on track to achieving finnancial freedom.
Over 8 Years Experience
Our team has 8+ years combined experience in debt relief, with a proven track record of delivering Results. We've helped 5000+ clients achieve financial freedom and regain control of their lives. Our debt relief specialist are Cerified and trained and we're proud members of DCASA, ensuring we stay up-to-date with the latest regulations and best practices.
Long-Term Financial Health
By the end of our program, you won’t need further credit assistance because you’ll have one of the best credit scores possible.
Who We Are
Smart Debt Solutions for Everyday Middle Class Champions
At Victor Debt Counselling, we know how it feels to work hard every day and still struggle to make ends meet.
You’re more than just a number — you’re a real person who deserves to feel happy, secure, and financially stable.
That’s why we’re here to help you tackle your debt and look toward a brighter future.
- With over 8+ years of experience we are trusted by everyday working people all over South Africa.
- We help poeple who are struggling to pay thier debts by restructuring their debts, so they pay what they can afford.
- We negotiate with the banks/Lenders so that you can get to keep your car and home from being taken and so that you can be debt FREE in just 36-60 months.
Services
Unlike other Debt Review Programs that just put you under debt review,Our Back on track Debt Program doesnt only help you go under debt review, it also helps you go out of debt review when your ready
How Our Debt Relief Program Works
1. Free Assessment
We listen to your situation and explain your options with no obligation.
2. Debt Restructuring
We negotiate with creditors to reduce your monthly payments and protect your assets.
3. Legal Protection
You are protected from legal action and harassment while you repay your debt.
4. Debt Free!
Once your debts are paid, you receive a clearance certificate and a fresh start.
Debt Review Removal
Qualified, compliant assistance to exit debt review the right way and restore your credit profile.
When are you eligible to remove debt review?
- You have settled all short-term debts included under debt review (credit cards, store cards, personal loans, etc.).
- Your home loan (if any) is up-to-date and affordable, or fully settled.
- Your financial situation has improved and you can sustainably afford your obligations.
Our compliance process
- We obtain paid-up letters and balances from your credit providers.
- We issue the required forms and clearance documentation (e.g., Form 19) once qualifying criteria are met.
- We update your status with the NCR and major credit bureaus.
- You receive your official clearance certificate and can begin rebuilding credit responsibly.
Ready to check if you qualify? Book your free assessment.
Benefits of proper debt review removal
- Removes the debt review flag from your credit profile.
- Stops creditor restrictions linked to active debt review.
- Enables responsible access to credit again after rehabilitation.
Debt Consolidation
Understand when consolidation is suitable and how it compares to debt review.
What is debt consolidation?
Debt consolidation combines multiple debts into a single repayment, often via a new loan. It can simplify payments and may reduce interest, but requires sufficient affordability and a healthy credit profile.
Debt consolidation vs. debt review
- Consolidation: Credit-based solution; best for consumers who still qualify for normal credit and want simplicity.
- Debt review: Legal restructuring; best for consumers who are over-indebted and need protection plus reduced repayments.
How Victor DC helps
- We assess whether consolidation or debt review is better for your situation.
- We negotiate affordable terms with creditors where applicable.
- We guide rehabilitation so you can reach a strong credit score faster.
Debt Calculator
Calculate your financial Well-being
Other Income is any extra money you receive monthly, such as rental income, side business, or support.
Net Available After Expenses shows how much money you have left after covering all your monthly costs and debt repayments.
Frequently Asked Questions
How do I remove debt review from my name?
You must first settle the qualifying debts under debt review, obtain paid-up letters, and then your counsellor issues the required forms and a clearance certificate. We then update the NCR and credit bureaus to remove the debt review flag.
Is debt consolidation better than debt review?
It depends on affordability and your credit status. Consolidation needs good credit and combines debts into one loan. Debt review is for over-indebted consumers who need legal protection and reduced repayments. We advise on the best option after a free assessment.
What Makes The Debt Review Program offered by Victor DC So Unique?
Our Program is Different because unlike other debt Review programs offered by other debt counsellors that only put you under debt review and call it a day, We Remove you from debt review once your ready to exit and also update your Credit report.
When im ready to exit Debt Review, Is there an extra charge for the removal of debt review and credit report update?
There is no extra charge for the removal of debt review to existing clients.
Will my credit score improve after debt review? or During?
Absolutely. Once you successfully complete the program and exit debt review, we will help you rebuild your credit profile. Our guidance will put you on the path to a healthy credit score and financial freedom.
What is debt review?
Debt review is a legal process that helps over-indebted consumers by restructuring their debts into one affordable monthly repayment plan. It protects you from further legal action, harassment from creditors, and blacklisting.
How long does the debt review process take?
The duration depends on your financial circumstances and the amount of debt you owe. Once most of your debt is paid off, and your financial situation improves, we help you exit the debt review program as quickly as possible.
Can I apply for new credit while under debt review?
No. Applying for new credit during debt review is not permitted by law. However, once you complete the program and receive your clearance certificate, we help you rebuild your credit so you can access future credit responsibly.
Testimonials
Real Stories, Real Results
Contact
Please do get in touch!
Address
1065 Spoonwood Street, Eco Park
Call Us
087 078 2659
Email Us
info@victordc.co.za