From first call to debt-free — the full process
Seven steps, handled by registered debt counsellors and attorneys, from your first confidential call through to a court-confirmed repayment plan.
Free consultation & assessment
Call 087 150 3823 or complete our online form. A consultant runs a highly confidential, free financial assessment to confirm whether you qualify for debt review.
Complete your application (Form 16)
If you’re approved, we help you complete the official application form over the phone. Once signed and returned, you receive instant protection.
Creditors are notified
As soon as we receive your signed form, we immediately notify all your creditors of your debt review application — triggering your protection under the National Credit Act.
We negotiate your new payment plan
We request loan confirmations from every creditor, negotiate improved interest rates where possible, and restructure your repayments based on what you can actually afford.
One single monthly payment
You make one consolidated monthly instalment through an NCR-accredited Payment Distribution Agency (PDA), which distributes the funds to each of your creditors.
Court order confirms your plan
Our nominated attorneys apply to the Magistrate’s Court to have your restructured plan converted into a binding court order — you don’t need to appear.
Your debt is resolved
You follow your restructured plan through to completion, then receive a clearance certificate and can re-enter the credit market with no permanent record.
How fast is fast?
Within 5 days
A provisional restructured payment plan is typically developed within five working days of your application.
First 60 working days
Your credit providers are not permitted to take any legal action against you during this initial protection window.
Ongoing
Creditors must communicate with your debt counsellor from that point on — not with you directly.
Ready to start step one?
Your free, confidential assessment takes about two minutes.
How it works
We start by reviewing all your current credit commitments, including personal loans, credit cards, retail accounts, vehicle finance and your bond. From there, we work with your credit providers to restructure your repayments and negotiate better terms and interest rates where possible.
The goal is simple. One reduced monthly payment that you can actually afford, while still leaving you with enough money to cover your essential living expenses.
If you are struggling to keep up right now, it may feel overwhelming, but there is a way forward. With the right structure in place, you can regain control of your finances and work towards becoming debt free.
Reach out today and take the first step.
STEP
01
Request a free consultation.
Call us on 087 150 3823 or request a call back via the online form and one of our friendly DC Experts consultants will contact you and provide you with a highly confidential and FREE financial assessment to see if you qualify.
STEP
02
Complete your Application Form.
If you qualify, you will be assisted with the completion of the application form (Form 16) telephonically. We will send you the completed form to sign, and you return the signed form to us immediately for instant protection.
STEP
03
Notify your Creditors
As soon as we receive your signed application form, we immediately notify your creditors that you have applied for debt review. You are now protected in terms of the National Credit Act and your assets are safe.
STEP
04
Negotiate a new payment plan.
We request confirmation of your loan agreements from all your credit providers, negotiate better interest rates wherever possible and restructure your repayments to an amount you can afford based on your financial situation.
STEP
05
Pay only one single affordable monthly instalment.
You pay one easy monthly instalment via an NCR accredited PDA (Payment Distribution Authority) who distribute the funds to all your credit providers in accordance with your restructured payment plan.
STEP
06
Make the approved plan an Order of the Court.
Our panel of Specialist Attorneys apply to the Magistrates Court on your behalf to make the restructured repayment plan an order of the court binding your creditor providers to the agreement.
STEP
07
Your debt is paid off!
three steps to success
We Will Help You Every Step Of The Way
From your first assessment to your final payment, we guide you through the entire process, handling the details so you can focus on moving forward
Contact details
Saturdays: 08:00–13:00
Not ready for the full assessment?
Send a general enquiry and a consultant will call you back — no pressure, no obligation.
CONTACT US
(087) 150-3823
OFFICE HOURS
Weekdays : 08:00 – 17:00
Saturdays : 08:00 – 13:00
- (087) 150 3823
- websupport@dcexperts.co.za
- Head office: 30 Main Road Paarl 7646
- Branch: 33 Cook Street Goodwood 7460
- dcexpertsza