Services
Our Debt Solutions
Debt Counselling & Review
Formal Debt Review Process
If you are over-indebted and struggling to meet your monthly obligations, formal debt review under the National Credit Act provides legal protection while you repay your debts through a single, restructured monthly instalment. We apply on your behalf, negotiate with your credit providers, and manage the process from start to clearance certificate.
Creditor Negotiation
We manage all direct communication with your credit providers. Our experienced negotiators secure reduced interest rates, extended payment terms, and consolidated monthly repayment amounts, reducing your overall financial burden while protecting you from legal action.
Debt Assessment & Financial Rehabilitation
Comprehensive Debt Assessment
We conduct a full review of your income, monthly expenses, and all outstanding debts. Our assessment identifies whether you qualify for formal debt review, informal debt counselling, or another structured repayment solution, giving you a clear roadmap tailored to your situation.
Monthly Repayment Relief
We work directly with your creditors to reduce your monthly instalment amounts, lower interest charges, and restructure your payment schedule. Our goal is to ensure you have sufficient income left for essential living costs while consistently reducing your debt.
Financial Rehabilitation Support
Once your debt review is complete and your clearance certificate is issued, we provide ongoing support and financial guidance to help you maintain healthy financial habits, avoid future over-indebtedness, and build long-term financial stability.
Understanding Your Debt Options
Debt Review vs. Debt Consolidation
Many South Africans are unsure whether debt review or consolidation is the right option for them. Our specialists explain both approaches in plain terms and help you make the most informed decision based on your unique financial situation and goals.
Dealing with Over-Indebtedness
Being over-indebted means your monthly debt obligations exceed what your income can sustainably support. If this describes your situation, you are not alone. LOWER MY DEBTS provides a structured, legally compliant route to relief, restoring your financial dignity and peace of mind.