Debt Counselling and Debt Review
We assess your finances, apply for debt review and negotiate a restructured plan you can afford, with one monthly payment.
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Your Financial Freedom Partner
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Debt counselling, debt review and credit repair in Makhado, Limpopo
NCR Reg. NCRDC4720 Helping clients across South Africa get back to better financial tomorrows.
NCR.Registered debt counsellor, NCRDC4720
8+Debt, credit-report and credit-bureau services
1×One restructured monthly payment under debt review
015·078Real people on the phone and on WhatsApp
You're not alone
Debt stress creeps up on good people.
A retrenchment, a medical bill, a family emergency, a few loans to cover the gap. It happens to hard-working South Africans every day. The earlier you ask for help, the more options you have.
More than half your salary goes to debt
You borrow to pay other accounts
Creditors call or send letters of demand
You've been under debt review for years and feel stuck
LOWER
Lower monthly instalments
We negotiate reduced instalments and interest with your credit providers, based on what you can afford.
PROTECT
Protection while you pay
Once you're under debt review, credit providers must follow the legal process instead of acting against you.
SIMPLIFY
One payment a month
You pay one amount to a registered payment distribution agency, which pays your creditors.
FINISH
A clear way out
When your debts are settled, we help you get your clearance certificate and update the credit bureaus.
Not sure if you qualify?
Two-minute debt self-check
Enter your monthly figures to see how much of your take-home pay goes to debt. Nothing is saved or sent unless you choose to share it with us.
Your result
Likely over-indebted
61%of your take-home pay goes to debt
0%30%50%100%+
- Take-home pay
- R14 200
- Debt + living costs
- R15 500
- Left over each month
- −R1 300
Your expenses are more than your income. Debt counselling may be able to lower your instalments. Send us your result for a proper assessment.
This is a rough guide, not a legal assessment. Over-indebtedness is determined by a registered debt counsellor under the National Credit Act.
Our services
Everything between you and a clean credit record
From entering debt review to getting out of it, and from reading your credit report to fixing what's wrong on it.
Debt-Review Clearance Assessment
Stuck under debt review? We check your status and paperwork and tell you which legal route out is open to you.
Ask about thisCredit-Report Assessment
We go through your credit report with you line by line and explain what lenders see, and what's pulling you down.
Ask about thisCredit-Bureau Dispute Assistance
Wrong or outdated information on your record? We help you lodge and follow up disputes with the credit bureaus.
Ask about thisPotentially Prescribed-Debt Assessment
Some old debts may have prescribed. We assess the dates and history on your accounts before you pay or acknowledge them.
Ask about thisPaid-Up Account and Judgment Updates
Settled an account or a judgment? We help make sure your credit record shows it as paid up.
Ask about thisRepayment Negotiations with Credit Providers
We speak to your credit providers on your behalf to agree on realistic repayment arrangements.
Ask about thisCredit-Score Education and Monitoring
Learn what moves your score and build better habits, with check-ins to track your progress.
Ask about thisAll services are subject to legal assessment and client eligibility. No removal, clearance, credit approval or credit-score outcome is guaranteed.
Business & compliance
HDF also helps small businesses get formal and tender-ready.
CIPC company registrationSARS tax clearance PINSARS complianceCIDB gradingB-BBEE certificates
How debt review works
From first chat to clearance certificate
Debt review is a legal process under the National Credit Act. Here is what happens, in order.
Assessment
We look at your income, expenses and debts to see whether you are over-indebted and whether debt review is right for you.
ID · payslip · bank statementApplication and notices
We apply for debt review and notify your credit providers and the credit bureaus.
Form 16 · Form 17.1New repayment plan
We negotiate reduced instalments with your creditors and have the plan made legally binding.
Proposal · court / tribunal orderPay, finish, get cleared
You make one monthly payment through a payment distribution agency. When you're done, you receive a clearance certificate.
PDA payments · Form 19
Stuck under debt review?
Ready to get your life back off debt review?
Many people stay flagged for years longer than they need to. We look at where you stand and tell you the options that apply to you.
Accounts still active
Assess the legal route out
If you still have open accounts and no paid-up letters, we assess whether a legal exit from debt review is possible in your case and what it involves.
- Copy of your ID
- Recent bank statement
- Transfer letter and power of attorney
Accounts paid up
Work toward your clearance certificate
If your debts are settled, we gather your paid-up letters and work toward your clearance certificate so the debt review flag can be removed.
- Copy of your ID and bank statement
- Paid-up letters from your credit providers
- Transfer letter and power of attorney
Meet our leadership
The people behind HDF
Why HDF Consulting
People first. Then solutions. Then results.
HDF is a financial rehabilitation and advisory firm based in Makhado. We believe a healthy credit profile and a solid financial plan go hand in hand.
Registered and accountable
HDF is registered with the National Credit Regulator as a debt counsellor, number NCRDC4720.
A real person handles your file
You deal with a consultant who knows your case, on the phone, on WhatsApp or face to face in Makhado.
Honest about what's possible
We explain your legal options plainly. If something can't be done, we tell you before you spend money.
Confidential
Your financial information is used only to assess and handle your matter.
Reviews and ratings
What our clients say
Reviews from HDF clients, posted by the clients themselves.
Be the first to review HDF
Worked with us? Tell others how it went. Your review helps people who are where you were.
HDF Digital Headquarters
Start from your phone. No queues.
Log your request online at our Digital HQ, or chat to us on WhatsApp. Either way, a consultant picks it up.
- Choose the service you need and tell us about your situation
- See which documents to prepare
- Get a follow-up from the HDF team
FAQs
Questions people ask us
Can't find your answer? Send us a WhatsApp and a consultant will reply.
What is debt review?
Debt review (debt counselling) is a legal process under the National Credit Act for people who are over-indebted. A registered debt counsellor restructures your debts into one affordable monthly payment, and the plan is made legally binding.
How do I know if I'm over-indebted?
If you can't pay all your monthly debt instalments on time after covering basic living costs, you may be over-indebted. Use our self-check above for a rough guide, then speak to us for a proper assessment.
Can I get out of debt review?
Yes, in the right circumstances. When your debts (other than a home loan) are paid up, you can receive a clearance certificate. In other cases a legal route may be available. We assess your situation and tell you what applies to you.
What is a clearance certificate?
A clearance certificate (Form 19) is issued by your debt counsellor once you have met your obligations under debt review. It is sent to the credit bureaus so the debt review flag can be removed from your record.
Can you remove negative listings from my credit report?
We can help you dispute information that is wrong, outdated or no longer allowed to be listed. Correct information that is accurately reported can't simply be removed, and no outcome is guaranteed.
What is prescribed debt?
In South Africa most ordinary debts can prescribe after three years if there has been no payment, acknowledgement of the debt or legal action in that time. Whether a specific debt has prescribed depends on its history, so get it assessed before you pay or sign anything.
Which documents do I need?
Usually a copy of your ID, recent payslips and a three-month bank statement. For debt-review exits we may also need paid-up letters, a transfer letter and a power of attorney. We'll tell you exactly what applies to you.
Do you only help people in Limpopo?
Our office is in Makhado, Limpopo, but we help clients across South Africa by phone, WhatsApp and through our Digital HQ.
Contact us
Financial freedom starts here
Call, WhatsApp, email or log a request at our Digital HQ.
Calls & WhatsApp078 958 0955
Digital HQOffice line015 001 2208