National Credit Restructuring Credit Solutions - what to do when you are over indebted

If you are over indebted, but if you have assets, such as a property with equity in it (i.e the value of your house exceeds that amount which is still outstanding on your bond) and you are not Blacklisted, then you may qualify for a Debt Consolidation loan with one of the financial institutions.

If you do not have a home with equity or any other assets you may be able to use as security for a loan or sell for cash, and if you are blacklisted - then there is still a way out of debt, which involves being placed under debt review by a debt counsellor. A debt counsellor can negotiate new payment terms with your creditors and significantly reduce your monthly debt repayments - AND - you will be able to cover your monthly living expenses (rent, food, clothing, petrol, phone, school fees, etc).

To see if you qualify for Debt Review please fill out the form on the HOME page (click on HOME in the top meny of this page)

Debt Review

For a Free Assessment by a registered National Credit Restructuring Debt Counsellor please fill out the below Form. You will NOT be placed under Debt Review by simply filling out...
read more

Credit Solutions

If you are over indebted, but if you have assets, such as a property with equity in it ,i.e the value of your house exceeds that amount which is still...
read more

Credit Restructuring

In South Africa, if a consumer is over indebted as per the assessment of a debt counsellor then the consumer is entitled to apply for Debt Review and...
read more

Fee Structure

Fee structures might differ depending on the debt solution you implement. Here at National Credit Restructuring we actively promote debt review as the best solution...
read more

The National Credit Restructuring, 3 Steps to debt restructuring

Following these three steps can get you in touch with all the help you need to get to the places you want to get financially.

  • Required *


  1. 1. Fill in our contact form.
  2. 2. Wait for one of our affiliate agents to call you.
  3. 3. Your journey to a guided, debt healthy life starts.

Legal notice: Debt Review is a solution provided by the National Credit Act no 34 of 2005. The process is therefore regulated by the National Credit Regulator and Governed by the National Credit Act. In terms of the National Credit Act every debt counsellor offering debt review services must be registered with the National Credit Regulator. Because we at National Credit Restructuring believe that good and reputable service is of utmost importance, especially when it comes to your debt, we ensure that all the debt counsellors we work with are registered with the required legal bodies. We will never supply detail of any consumer to a debt counsellor that are not registered in terms of the National Credit Act.