Debt Counselling

Debt Councelling or Debt Management is a carefully constructed financial plan to pay off secured or unsecured debt without taking out a loan. Benefits are lower interest rates.

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Debt Consolidation

Debt Counselling was introduced to assist over-indebted consumers by developing a single repayment plan, which is affordable to you and acceptable to all your Credit Providers.

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Legal Protection

We will appoint our specialist attorneys to apply to court to make your restructured payment plan a court order. Giving a peace of mind at all times

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Re-negotiation of all credit agreements with credit providers for a reduced interest rate and monthly installment.
New budget guidlines and a single monthly payments to all credit providers through the Payment Distribution Agency (PDA).
Once you apply for Debt Review with us our Attorneys protect you from repossession of asset or harrassment from Credit providers.

WELCOME TO DEBT 911, Home of South African Debt Counselling

Debt Counselling


The National Credit Regulator (NCR) was established as the credit regulator under the National Credit Act 34 of 2005 (the Act). It is responsible for the regulation of the South African credit industry and is tasked with, among other things, ensuring enforcement of the Act.

Debt Management


Our highly skilled Debt Counsellors have the tools to make the necessary assessment and amendment to your credit agreement for a lesser monthly instalment with a LOW LOW interest rate. This will enable the consumer pay off the total debt in a shorter period.

Financial Wellness Program


Debt 911 introduced the financial wellness programme to assist millions of SOuth African at their work places for them to get the right financial education. We educate them on SPENDING and SAVING for EMERGENCIES before and after retirement.


Masters in Debt Management; Beacause Money Doesn't come with instructions on how to spend.

At Debt911 we believe that being in debt isn’t easy and that is why we are committed to providing the highest level of services to assist the consumers get out of debt. We look at the fine print that Credit providers dont tell you about.