Debt Mediation
Our core service. We negotiate directly with your creditors to reduce your monthly obligations — no courts, no legal proceedings.
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Debt Mediation Specialists
More Than ReliefA Fresh FinancialStart.
South Africa's trusted Debt Mediation specialists. We negotiate directly with your creditors — no court, no legal proceedings, just a structured path to financial freedom.
Last assessment requested 4 min ago
Open now · Cape Town · SAST
Average client reduction · 47%
No Legal ProceedingsConfidential & SecureFree Assessment
1,000+
Clients Helped
78.2%
Avg Income Trapped in Debt
0
Court Intervention Required
100%
Free Assessment
We Negotiate Directly With
Standard BankAbsaFNBNedbankCapitecDiscovery BankInvestecAfrican BankTymeBankBidvest BankWoolworths FinancialRCSStandard BankAbsaFNBNedbankCapitecDiscovery BankInvestecAfrican BankTymeBankBidvest BankWoolworths FinancialRCS
All negotiations are confidential and secure
What We Do
Did You Know?Start Your Free Assessment
A Smarter Alternative to Managing Overwhelming Debt
Debt mediation is an alternative approach to managing and restructuring debt. It provides an opportunity for individuals to manage their debt without undergoing legal proceedings or court intervention.
Debt mediation can empower individuals to take control of their financial situation, reduce financial stress, and work toward becoming debt-free.
Did You Know?Up to 78.2%
of South Africans' income goes directly to debt repayments. Debt mediation is the structured solution to break that cycle.
Our Services
Everything You Need to Break Free From Debt
From your first assessment to full creditor negotiation, we handle every step of your debt mediation journey.
Debt Mediation Assessment
A comprehensive review of your financial position to determine the best structured mediation strategy tailored to your situation.
Learn MoreCreditor Negotiations
We engage directly with your creditors on your behalf to negotiate reduced payments, lower interest rates, and manageable timelines.
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LegalJudgment Removal
Clear existing judgments from your credit profile through our legal and administrative judgment removal process.
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ReclaimDebt Review Assessment & Cancellation
Already under debt review? We assess your situation and guide you through the correct process to have your debt review cancelled.
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RebuildScore Booster Legal
Improve your credit score through structured mediation interventions and legitimate dispute resolution lodged directly with the credit bureaux.
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ClarityCredit Interpretation
We decode your full credit report, explain every entry in plain language, and identify exactly what is affecting your score.
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SupportNegotiation Support
Full support throughout every negotiation — we prepare, represent, and advise so you never face creditors alone.
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Time-BarredPrescribed Debt Management
Identify which of your debts may be legally prescribed and manage them appropriately to reduce your total debt burden.
Learn MoreThe Process
From Overwhelmed to Free — In 3 Clear Steps
No confusing legal jargon. No hidden steps. Just a clear, structured path to reclaiming your financial life.
1
Book Your Free Assessment
Fill in our quick form or call us directly. We review your full financial picture — completely free, no obligation.
2
We Negotiate For You
Our specialist team contacts your creditors and negotiates reduced payments, removed judgments, and realistic repayment plans.
3
You Regain Control
With a structured mediation agreement in place, you pay one manageable amount and move steadily toward a debt-free life.
About UsYour trusted partner in financial recoveryLearn Our Story
We Turn Financial Stress Into Structured Recovery
Lower My Debts is a Cape Town-based Debt Mediation specialist dedicated to helping South Africans reclaim their financial future. We believe no one should be trapped by debt — especially when there is a proven, legal, court-free path forward.
- Cape Town-based — 38 Wale Street, Western Cape
- Specialising exclusively in Debt Mediation
- Confidential, judgment-free support every step of the way
Your trusted partner in financial recoveryWhy It MattersGet Started — It's Free
The Most Powerful Alternative to Debt Legal Proceedings
"Debt mediation is the core of our services, providing clients with a structured way to manage overwhelming debt. Through negotiations with creditors, clients benefit from lower monthly payments, reduced financial stress, and a clearer path toward financial stability."
"Given that some consumers allocate up to 78.2% of their income to debt repayments, this service offers a crucial alternative to help them regain control of their financial future."
Lower Monthly Payments
No Court Required
Direct Creditor Negotiation
Path to Financial Freedom
Client Stories
Real People. Real Relief. Real Results.
We don't just reduce your debt — we give you your life back.
“
I was spending nearly 80% of my salary on debt repayments and couldn't even afford groceries by the 20th. I was ashamed to tell anyone. Lower My Debts handled everything — no courts, no embarrassment — and within weeks my monthly payments dropped by nearly half. I finally slept through the night for the first time in two years.
Amanda L.
Cape Town
“
Creditors were calling my workplace. I was this close to losing my job because of the stress. A colleague told me about Lower My Debts. They stepped in, negotiated directly with every single creditor, and the calls stopped completely. What felt impossible became a clear plan. I'm now on track to be debt-free in 3 years.
Sipho M.
Bellville
“
I didn't think there was a way out. I had four accounts in arrears, a judgment against my name, and no idea where to start. Lower My Debts took the entire burden off my shoulders. They had my judgment removed, negotiated my accounts down, and explained everything in plain language. I genuinely cannot believe how different my life feels.
Johan V.
Durbanville
Ready to Pay Less and Live More?
One free assessment is all it takes. No obligations, no court processes — just a clear plan built around your life.
FAQ
Everything You Need to Know
Plain answers to the questions South Africans ask most about Debt Mediation.