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Credit Matters Debt Services

Need help with debt? Credit Matters can help you with the following services:

Debt Counselling

Debt counselling, also known as debt review, is a legal measure that can be used by people who are struggling with their debt repayments to obtain some relief.

Free Assessment

The South African National Credit Act formally introduced Debt Counselling to help over-indebted consumers with a repayment plan.

Rescission of Debt Review Order

If you are currently under debt review, you can apply to the Magistrate’s Court to have your debt review order rescinded if all of your accounts have been paid off and a clearance certificate has been issued to you, or if you are no longer over-indebted.

Debt Review

Debt Review can be summarised as a procedure where a person, who can no longer afford to meet all his monthly debt obligations, can apply with a debt counsellor to negotiate on his behalf with his creditors for reduced monthly repayments.

Administration Order


Section 74 of the Magistrate’s Court Act allows people with no tangible assets and debts of up to R50 000 to apply to the courts for an administration order.

Voluntary sequestration (Insolvency)

This entails an application made to the relevant High Court to have all your assets realised and the proceeds divided amongst all your creditors in terms of the Insolvency Act, after certain costs have been taken into account.

“I was drowning in debt and didn’t know where to turn. That’s when I discovered Credit Matters. Their expert team not only helped me understand my financial situation but also crafted a tailored plan to get me out of debt. Thanks to their guidance and negotiation skills, I’m now on a path to financial freedom. Credit Matters truly turned my life around!”

M Annadale


“Credit Matters is a game-changer! I was stuck in a never-ending cycle of debt, and it felt like there was no way out. But with their support and expertise, I not only reduced my debt but also learned valuable financial management skills. Thanks to Credit Matters, I’m now debt-free and in control of my finances.”



“I can’t express how grateful I am to Credit Matters. They helped me navigate the complex world of debt and provided me with a clear roadmap to financial recovery. Their dedication and professionalism are unmatched. Thanks to Credit Matters, I’ve paid off my debts and can finally breathe easy. I highly recommend their services to anyone struggling with debt.”

David Richards