What is Debt Review

What is Debt Review is a question we get asked a lot. Debt Review is a legal, structured process that helps you consolidate unaffordable debt into one manageable monthly repayment while SDC negotiates reduced instalments and protects you from creditor harassment.

NCR-regulated process Single affordable payment Court-backed protection

How it protects your household budget

Immediate breathing room: SDC assesses your income and essentials first, then aligns debt payments to what you can genuinely afford.
One payment, less stress: A single monthly debit order replaces multiple creditor debits and collections.
Legal protection: Once your proposal is accepted and made an order of court, collections and legal threats on included accounts must stop.
Stay on track: Clear timelines, monthly statements, and a partner who guides you until you receive your clearance certificate.

Step 1 Free affordability assessment

Step 2 Proposal & creditor negotiations

Step 3 Court order & simplified repayment

Who benefits and when to start

If your repayments keep you from covering basic living costs, you’re receiving collection calls, or you’re juggling payday loans and maxed-out credit, it’s time to speak to Sandton Debt Counselling. SDC prioritises your essentials, restructures what you owe into a sustainable plan, and supports you until you’re formally debt-free.

Why choose SDC

Clear, human guidance: A dedicated consultant walks you through every step and keeps you informed.
Negotiation power: We engage your creditors professionally to secure reduced instalments aligned to your budget.
End-to-end support: From assessment to court order to clearance certificate—SDC stays with you.

Ready to breathe again?

Start your confidential assessment with Sandton Debt Counselling

Your first step takes minutes. No obligations—just clarity.

Visit Sandton Debt Counselling