ARE YOU SICK AND TIRED OF LIVING PAYCHECK-TO-PAYCHECK... WHILE DEBT COLLECTORS CIRCLE LIKE VULTURES?
Here's The Brutal Truth Nobody Else Will Tell You...
Every single day you wait, you're haemorrhaging money on interest payments that could be going toward YOUR life, YOUR family, YOUR future.
And while you're lying awake at 3 AM wondering how you'll make it through another month......your creditors are sleeping like babies, getting fat off YOUR stress.But here's the thing:Over 14,000 South Africans just like you have already escaped the debt prison WITHOUT bankruptcy, WITHOUT blacklisting, and WITHOUT destroying their financial future.And they did it in as little as 30 seconds by answering the few simple questions below...
ESCAPE From Soul-Crushing Debt Starting RIGHT NOW!
Look, I'm not going to sugarcoat this.If you're reading this, you're probably drowning. Your salary disappears by the 26th.You're robbing Peter to pay Paul. And you're one emergency away from complete financial disaster.Am I right?Here's what happens if you do NOTHING:-- More sleepless nights
-- More fights with your spouse about money
-- More shame when you can't afford your kid's school trip
-- More anxiety every time the phone rings
-- More years trapped in this nightmareOR...You can take 30 seconds RIGHT NOW and answer a few questions that could change everything.
Your "Zero Debt" Life Is Waiting...But ONLY If You Act NOW
This isn't complicated. In fact, it's stupid simple:
1. Answer A Few Questions (Takes 30 Seconds)
That's it. Just answer honestly about your situation. No judgment. Just straight answers so we can see if you qualify for help.
2. Get Your FREE Consultation & Slashed Monthly Payment
Once we know your situation, we'll create your personalized One Payment Structure. One payment. Not ten. Not twenty. ONE.And here's the kicker: It'll be LOWER than what you're paying now.
3. Live Your Zero-Debt Life
95% of our clients are completely DEBT FREE within 36-60 months. Imagine that. No more creditors. No more stress. No more living like a financial prisoner.
But There's A Catch...
Actually, there are TWO catches:
CATCH #1:
This only works if you're serious. If you're the type who fills out the form and then chickens out, don't waste our time. We're looking for people who are DONE with debt and ready to take action.CATCH #2:
We can't help everyone. Our NCA Accredited partners have limited capacity, and frankly, demand is through the roof right now. If you wait, you might miss your window.ARE YOU READY?Because if you are, you need to act RIGHT NOW before it gets worse.
Our NCA Accredited partners are helping thousands of South Africans on their journey to Zero Debt!
What some of our customers have to say...
"Thank you for all your kindness, and your assistance whenever I need it.We are all going through a lot in life but when we have wonderful people like you in life….it just makes such a huge difference in all that we are facing.
Thank you, thank you, thank you!"
Shivanee Dayanand
"Rachael was so very friendly and patient with me. She immediately returned my calls and assisted me.My knowledge about the new technology is very poor, and she guided me through the whole process, not even once being impatient. A huge THANK YOU again!"
Elna Venter
"Thanks very much for everything that your company is doing for me.I really appreciate it. I was close to a heart attack with worry.At least I can sleep easy at night, knowing that all my debt will be taken care of."
Fiona Myburgh
Frequently Asked Questions
| What is debt counselling in South Africa? |
|---|
| Debt counselling is a practice that helps individuals that are struggling to repay their debt through a regulated process that offers various benefits that can help alleviate the pressures of over-indebtedness. |
| The NCA introduced debt counselling as a debt relief measure in 2007 as part of the National Credit Act 34 of 2005 and appointed National Credit Regulator (NCR) as the governing entity. |
| Before the National Credit Act, 34 of 2005 took effect, South African consumers were at risk of being exploited by unethical credit providers, misinformation and a lack of effective regulation. Impacting all players in the credit industry, the Act also aspires to develop a more accessible, fair and non-discriminatory credit market in South Africa. |
| So how exactly does debt counselling help over-indebted South African consumers? |
| - By creating a detailed debt repayment plan |
| - By providing budgeting assistance and financial advice |
| - By promoting financial literacy and rehabilitation |
| How debt review (debt counselling) works |
|---|
| Known as one being one of the best (and safest) ways to overcome debt, debt review is the process of working alongside a debt counsellor to consolidate and repay your debts as outlined in a structured repayment plan. |
| Debt review is a rehabilitation programme established by the National Credit Act Act 34 of 2005 with the purpose of assisting over-indebted South African consumers. |
| Here is debt review process step by step: |
| 1. Gather your financial documents for assessment |
| 2. Contact a registered debt counsellor |
| 3. Apply for debt review |
| 4. Confirm the debt repayment plan and begin the repayment process |
| 5. Complete debt review |
| 6. Congratulations, you’re now debt-free! |
Text
| HOW DO I AVOID BEING BLACKLISTED? |
|---|
| ► Pay all your accounts monthly before the due date as arranged with your creditors when opening the account |
| ► Notify all your creditors of a change of address. |
| ► Attend to legal documents and letters immediately. |
| ► Should you be unable to pay your debt, contact your creditor immediately to make suitable arrangements and keep to these arrangements. Where possible have your creditor confirm the new arrangements in writing and keep the correspondence for possible future reference. |
| ► NB: Be careful of what you sign. Peruse documents first and contact us for assistance should you require advice |
Our NCR Accredited Partner, with an Expert Legal Team, helping South Africans on their journey to Zero Debt!
© 2026 Zero Debt At Last | All Rights Reserved
Terms & Conditions || Privacy Policy
You Qualify For Our Debt Counselling Program
Next you will be contacted by one of My Debt Hero's expert consultants to start the process.
You can expect a call from one of the trusted My Debt Hero consultants within 24 hours.Please answer the call and we will discuss the next steps of your journey to zero debt for good!We will also send you an SMS with confirmation that we received your information.
© 2026 Zero Debt At Last | All Rights Reserved
Terms & Conditions || Privacy Policy
You Might Qualify For Our Debt Counselling Program
Based on the answers you provided you might qualify for our debt counselling program.
You can expect a call from one of the trusted My Debt Hero consultants within 24 hours.Please answer the call and we will discuss the next steps of your journey to zero debt for good!We will also send you an SMS with confirmation that we received your information.
© 2026 Zero Debt At Last | All Rights Reserved
Terms & Conditions || Privacy Policy
