Fees
Debt counselling fees are regulated and explained in full before you proceed with any application.
All debt review fees are regulated by the NCR and included in your restructured monthly payment — there are no upfront costs.
The NCR sets maximum fees that debt counsellors may charge. These are reviewed periodically. Here is the current fee structure:
Fee Type
Amount
When Paid
Application fee
R50 (once-off)
Included in first payment
Restructuring fee
Equal to 1st instalment, max R8,000 (single) / R9,000 (joint COP)
Deducted from first payment
After-care fee
5% of monthly instalment, max R450/month
Monthly, ongoing
Legal/court fees
Varies — max R8,000 (single) / R9,000 (joint COP)
Spread over payments
PDA fee
R27.50 per account per month
Monthly, ongoing
Important Disclosures
Debt review is a legal process
It affects your credit profile
You cannot access further credit while under debt review
All outcomes depend on your financial position and creditor agreement
No guarantees or “debt write-off” representations are made.