We are situated in Bellville in the the Western Cape region and our contact details are below.
Over a Decade of Expertise 10+ years of proven success in debt restructuring.
Fully Compliant & NCR Registered Registered with the national Credit Regulator - trust your debt with professionals
Expert Negotiation on Your Behalf We secure the lowest interest rates and most affordable monthly installments.
Driven by Passion, Guided by Integrity Helping over-indebted South Africans regain control
Immediate Relief, Lasting Peace of Mind From day one, we handle the stress - so you don't have to.
Tailored, Personable Support One-on-one guidance suited to your financial needs.
Pay All Your Debts In A Single Monthly Payment
We Will Take Control Of Your Lenders In Completion
Restructure interest rates and term lengths legally to regain control of your finances.
Debt Cue is a team of leading debt review consultants assisting consumers throughout South Africa who are having difficulty meeting their financial obligations.
Our team of Debt Counsellors are registered with the National Credit Regulator and offer you a no obligation free assessment of your financial situation.
We negotiate directly with your credit providers to reduce your monthly creditor repayments until you find yourselves in a better financial situation.
At Debt Cue we don’t only want clients to become debt free, we want clients to stay debt free!
We strive towards excellent relationships with all the major credit providers in South Africa ensuring we can negotiate the best payment plan to suit your financial requirements and ensure we protect your assets including your house and car.
We also give you as a South African consumer the opportunity to help a friend in need, so you can refer a friend and help them become debt free.
We deal with different types of debt and how to manage them so you don't take on more than you can afford
We follow a professional and strict approach to our workflow process to ensure the customers satisfaction
This is the first step to see identify if the client is over indebted
Notify all credit providers , Cleint has done an application for debt counseling (debt counsellor to wait for a response )
Create a Proposal beneficial to both the client and the creditor ( debt counsellor to wait for a response)
Finalise and prepare the application for the legal process for a final court order and once all the clients debts are paid up a clearance issue will be issued
"Manage to reduce by debts by over R 2500 , Really appreciative to Debt Cue ..."
Tania Smith
Debt counselling (also known as debt review) is a formal, legally regulated debt relief process established under the National Credit Act. A registered debt counsellor assesses your financial situation and restructures your debt into a single, affordable monthly instalment based on what you can realistically afford after essential living expenses.
The fees are strictly regulated by the National Credit Regulator (NCR) so that counsellors cannot overcharge. The standard fee structure includes:
💡 Note: You do not pay these fees upfront. They are integrated directly into your new, reduced monthly repayment plan.
Generally, no. You must have a regular, verifiable source of income (such as a salary, pension, or business revenue) to fund a restructured payment plan.
The exception: If you are married in community of property and your spouse is employed, or if you can prove a guaranteed, steady alternative income stream (like regular financial support from a relative or rental income), you may still qualify.
It provides legal protection for your assets (like your car and home) so creditors cannot repossess them. It also stops harassing phone calls from collection agencies, lowers your interest rates, and sets you on a clear path toward becoming completely debt-free.
No. While under debt review, you are legally prohibited from taking on any new credit, including credit cards, clothing accounts, personal loans, or vehicle finance. This is to ensure you focus entirely on clearing your existing debts. The restriction is lifted once you pay off your restructured debt and receive a clearance certificate.
No. Debt review actually prevents adverse legal actions (like judgments or defaults) from ruining your record. While a flag is placed on your credit bureau profile to show you are under "Debt Review" (preventing you from opening new accounts), this flag is entirely removed once your clearance certificate is issued.
In almost all cases, no. Your debt counsellor works with an attorney to submit your restructured payment plan to either a Magistrate's Court or the National Consumer Tribunal to make it a legally binding order. Your personal presence in court is rarely required.
Missing a payment is dangerous because it violates the legal protection order. If you miss even a single instalment, credit providers have the legal right to terminate the debt review agreement and immediately initiate standard legal action or asset repossession. If you anticipate an emergency, you must contact your debt counsellor immediately before the payment window closes.
Debt counselling is a legal process to help over-indebted consumers repay their debt. It is regulated in South Africa by the National Credit Act (NCA) of 2007...
As South Africans adjust to living in a country in the midst of a technical recession, the National Credit Regulator (NCR) has urged the public to make use of debt counselling services...
A recent survey revealed 18 to 25 year olds, particularly students, are being given credit cards. All they have to do is provide proof they are receiving a steady income...
Jennifer Thompson
Fathima Moosa
Imelda Reddy
Dorian Gray
MrAirco Sobhisho