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Debt Consolidation


  Monthly debt repayments reduced up to 60%

  Assets are protected from being repossessed

  Make one single payment

  FREE annual credit reports

  Consolidate your debt into one payment

  Decrease of your monthly debt repayments


FREE credit checks every year

Yearly review of your financial situation

Dedicated account manager

Fully staffed call centre

Debt counselling is also known as debt review. Debt Review is a process in terms of the National Credit Act for over indebted consumers in South Africa and the purpose of the act is to protect the over indebted consumer against credit providers. Debt counselling is a formal process regulated by NCR. Debt counsellor will deal with your creditors and come to an agreement that allows you to cover your living expenses and apportion the remainder of your available funds to your creditors. Debt Counsellors will conduct an independent enquiry into your financial circumstances and make recommendations to Credit Providers and the courts concerning restructuring your debt or even suspending "reckless" credit agreements. You may not actually be "Over-Indebted" and qualify for "Debt Review", in this case the Debt Counsellor will assist you to work out a better monthly budget which will enable you to repay your debts effectively.


Debt consolidation is a loan and does not cater for the relief especially if you are over indebted or struggling financially. The other major issue is the exorbitant interest rates charged. This may not help with your current situation. There is also no legal protection against repossession.

Become Debt Free With SDA's Consolidation Program

Our unique debt consolidation program allows our customers to consolidate all of their debt into one single monthly installment. This program protects the customer from their creditors and lowers their monthly premiums by as much as 60%!


Consolidate Your Debt
With our debt consolidation program, your debt will be consolidated into one more affordable monthly installment. You will no longer be required to make multiple monthly payments to all of your creditors.

You Are Protected
A shield will be placed between you and your creditors, protecting your assets against repossession and preventing your creditors from contacting and harrassing you about the money you owe them.

Clear Your Name
Once all of your debt has been repayed through our debt consolidatio program, your name will be cleared and your credit record will be restored. This will ensure that you can, once again, become credit worthy.

Annual Credit Report
We will send you an annual credit report to help keep you updated on your financial status, credit status and to help you see how our consolidation program is helping you become free of any debt.

Send us your details for an obligation free assessment

Request A Callback

Need help getting started? Fill out the form below and one of our consultants will get back to you soon to help you get started with one of our debt management programs.

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