FREE Assessment / Eligibility Check
Reduce your debt payments by up to 60%
Can’t Keep Up Anymore? Here’s the Structured Option Many Use to Reduce Monthly Repayments (Without a New Loan)Over 14,000 South Africans just like you have already escaped the debt prison WITHOUT bankruptcy, WITHOUT blacklisting, and WITHOUT destroying their financial future.And they did it by completing this 30 seconds FREE Assessment...
ESCAPE From Soul-Crushing Debt Starting RIGHT NOW!
Our NCA Accredited partners are helping thousands of South Africans on their journey to Zero Debt!
This isn't complicated. In fact, it's stupid simple:
1. Answer A Few Questions (Takes 30 Seconds)
That's it. Just answer honestly about your situation. No judgment. Just straight answers so we can see if you qualify for help.
2. Get Your FREE Consultation & Slashed Monthly Payment
Once we know your situation, we'll create your personalized One Payment Structure. One payment. Not ten. Not twenty. ONE.And here's the kicker: It'll be LOWER than what you're paying now.
3. Live Your Zero-Debt Life
95% of our clients are completely DEBT FREE within 36-60 months. Imagine that. No more creditors. No more stress. No more living like a financial prisoner.
Frequently Asked Questions
| Is this a loan or consolidation? |
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| No. This is not new credit. It’s a structured, regulated process designed to make repayments affordable based on what you can realistically pay. |
| How does reducing my monthly payment work? |
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| An affordability assessment is done, then a structured repayment proposal is created and negotiated with credit providers. Where applicable, a formal legal arrangement/rearrangement order can be used to support the plan. |
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| Will this stop creditor calls immediately? |
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| It depends on your situation and the stage each account is in. Many people experience a reduction in pressure once the structured process is underway, but timelines vary. You’ll be told what to expect during your assessment. |
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| Do I need to be in arrears to qualify? |
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| No. Qualification depends on whether you’re over-indebted and unable to meet obligations sustainably. |
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| What types of debt can be included? |
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| Typically credit cards, personal loans, store accounts, vehicle finance, home loans, and other credit agreements — assessed case by case. |
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| Who is this NOT for? |
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| If you earn less than R7,000/month, this may not be the right fit. Also, if you’re already in a formal debt programme, you may not qualify for this specific option (we’ll confirm quickly). |
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| Is this legal and regulated in South Africa? |
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| Yes — when handled by an NCR-registered debt counsellor and proper processes are followed. |
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| How long does the assessment take? |
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| Most assessments can be started quickly. If you have your basic details ready, you can often get clarity fast (timeframes depend on document availability and complexity). |
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| What do I need to start? |
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| 1st take the FREE assessment on this page. When contacted by the NCR accredited consultant you will need other basic details (income, expenses, debts) and supporting documents like recent bank statements and a list of your credit agreements. If you don’t have everything, we’ll guide you. |
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| Will my information be safe? |
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| Yes! Your details are handled securely and in line with POPIA. You’ll only be contacted with your consent. |
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Our NCR Accredited Partner, with an Expert Legal Team, helping South Africans on their journey to Zero Debt!
© 2026 Zero Debt At Last | All Rights Reserved
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You Qualify For Debt Help
Based on the answers you provided you qualify for Debt Help!
You can expect a call from one of the trusted My Debt Hero consultants within 24 hours.Please answer the call and we will discuss the next steps of your journey to zero debt for good!We will also send you an SMS with confirmation that we received your information.
© 2026 Zero Debt At Last | All Rights Reserved
Terms & Conditions || Privacy Policy
You Might Qualify For Debt Help
Based on the answers you provided you might qualify for Debt Help!
You can expect a call from one of the trusted My Debt Hero consultants within 24 hours.Please answer the call and we will discuss the next steps of your journey to zero debt for good!We will also send you an SMS with confirmation that we received your information.
© 2026 Zero Debt At Last | All Rights Reserved
Terms & Conditions || Privacy Policy
