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Immediate Relief

The Acceptable Debt Plan

When you’re overburdened by debt and can no longer handle callsfrom aggressive creditors and bills piling up at your doorstep, Debt Review has the potential to change your life for the better. For one thing, consumers can look forward to immediate relief from the many downfalls of being over-indebted, and can begin putting together the pieces of new beginning.

More than half of South Africa’s credit active consumers are officially over-indebted, meaning that they are unable to manage their debts efficiently and are either falling behind on or missing repayments to their various creditors altogether. While it would seem ideal to live a life free of debt, the increasingly expensive cost of living can take a toll on those who do not earn enough. On the other hand, debt is almost impossible to avoid, especially when making big and important purchases for either a house or a car. When we acquire financial aid, we never think that something could happen to change our circumstances, leaving us unable to honour the financial commitments we’ve agreed to. Debt Review is one way to pay back what you owe with immediate relief from the pressure of monthly instalments that you cannot manage.

At Acceptable Debt, our team of Debt Counsellors are committed to providing struggling consumers with the best solutions to overcoming their struggles with money. No two situations are the same, and so careful consideration is given when we work with clients to ensure that we are delivering the best service to them. First we need to determine that you qualify for Debt Review, by assessing your finances. Knowing that you seek immediate relief and would like to be debt free as quickly as possible, we will negotiate with your creditors on your behalf, to agree on reduced instalments and possibly even lower interest rates, all towards freeing up your finances.

The process of Debt Review can offer you immediate relief, as all your debt repayments are reduced into just one restructured monthly payment that is more suited to your affordability. You’ll still be responsible for paying back everything that you owe, but the repayment terms are more aligned with your budget and are overseen by our professional team, so that you don’t have to deal with your creditors directly.

While undergoing debt review, immediate relief from financial strain is just one of the benefits you can look forward you. Your assets will be protected from repossession, your living expenses will be covered thanks to reduced monthly repayments, and you will also receive protected against legal action from your creditors. The legal process of Debt Review was initially implemented by the National Credit Act (NCA) to provide debt relief to consumers, and as soon as 5 days after entering into the Debt Review process, your cash flow can ease up, making provision for your necessary living expenses.

Complete our debt assessment!

It's free of charge and only takes a few minutes. Complete our online debt assessment and provide us with the details of your financial situation.

We'll assess and setup acceptable debt plan

We determine whether your monthly expenses and debt exceed your monthly income

You'll be placed under Debt Review

Protecting you from your creditors. We'll inform all your Credit Providers and the Credit Bureaus that you are under Debt Review.

You only pay one single, reduced payment that you can afford!

We'll restructure your payment plan and negotiate with your Credit Providers.

The process is finalized

Your repayment plan becomes a court order. Our specialist attorneys will apply to court to make your restructured payment plan a court order.

Better life with acceptable Debt

Once under Debt Review, you will be protected against legal action taken by your credit providers and will only have to pay one monthly, affordable reduced payment, leaving you with sufficient money for your living expenses.


Contact Acceptable Debt