The National Credit Act, 34 of 2005 Section 86. (1) "A consumer may apply to a debt counsellor in the prescribed manner and form to have the consumer declared over-indebted".


Section 88 : A consumer who has filed an application in terms of section 86( l), or who has alleged in court that the consumer is over-indebted, must not incur any further charges under a credit facility or enter into any further credit agreement.


All your payments will be made to a Payment Distribution Agency (PDA) who will distribute your money according to your debt restructuring plan. The PDA that we are using is accredited by the National Credit Regulator and is the biggest of its sort in South Africa.

Provision is made for your Debt Counselling fees in your debt restructuring plan, ensuring that you will at all times only be making one affordable monthly payment towards your Credit Providers and your Debt Counselling fees. We will provide you with monthly after care and monitor your payments to the PDA.

Once you have satisfied all your debt obligations, we will issue you with a Clearance Certificate and advise all the Credit Bureaus, who will then remove your Debt Review status from their records and you will be able to apply for credit again.

Stress Free Debt, as the name says, we do just that!  We guarantee you a peacefull night's sleep away from the worry of your debt.  A  panel of highly trained Debt Counsellors are ready to assist you.  


We DO NOT provide loans or consolidations.


We simply assist OVER INDEBTED South Africans!