Debt counselling in Springs

If you have been searching for a debt counsellor in Springs, you are looking for the same thing this page describes. Debt counselling and debt review are one process, not two: “debt counselling” is the term the National Credit Act uses in section 86, and “debt review” is what almost everyone calls it in practice. The same registered professional does the work, the same protections apply, and the outcome is the same court-approved repayment plan.

Only a debt counsellor registered with the National Credit Regulator may carry it out, and that register is national. A counsellor does not have to be based in Springs to act for someone living there — your application is assessed against your income, your expenses and your actual credit agreements, and the restructuring is made an order of the magistrate’s court that serves your area. The fees are capped by the NCR, with the same maximums at every registered practice in Gauteng, so choosing a counsellor is mostly a question of how well they work.

DS4U serves clients across Springs and the wider region, from Selection Park to KwaThema, Strubenvale to Geduld. The whole assessment is done by chat, so there is no office to travel to and no day off work to arrange.

Before you commit to any practice, check the counsellor’s NCRDC number on the NCR’s public register. DS4U works through three registered counsellors — NCRDC2423, NCRDC1887 and NCRDC1015 — and you can verify all three there. More on NCR registration and how to check it.