Take Control of Your Debt
Reclaim Your Financial Freedom
For over 4 years, First Aid Debt Solutions has guided South Africans from financial stress to lasting debt freedom through compassionate, professional debt counselling.
NCR
NCRDC 4067
2020
Est. in SA
9
Provinces Served
Ready to Reclaim Your Financial Freedom?
Our team is ready to help you take the first step today.
Fast Response
Within 1 hour
Available
Mon-Sat 8am-5pm
Direct Support
087 550 0669
Live Chat
On WhatsApp 24/7
Professional Debt Counselling, Personal Touch
We're not just another debt counselling service. We genuinely care about your financial recovery and provide personalised support every step of the way.
Learn more about usQuick Process
From consultation to approved plan in as little as 2-3 weeks
Legally Protected
Full protection from creditors while under debt review
Personal Support
Dedicated counsellor assigned to your case throughout
100% Transparent
No hidden fees, no surprises, just honest guidance
Why You Can Trust Us
Our credentials and commitment to compliance are at the foundation of everything we do.
NCR Registered
Fully registered with the National Credit Regulator under NCRDC 4067
Est. 2020
Serving South Africans with professional debt counselling since 2020
NCA Compliant
All services are fully compliant with the National Credit Act
Nationwide Coverage
Assisting clients across all 9 provinces of South Africa
Your Trusted Debt Recovery Partner
First Aid Debt Solutions was founded with a single mission: to give South Africans who are overwhelmed by debt a real, legal, and lasting solution. We believe that financial hardship is not a life sentence — it is a situation that can be resolved with the right guidance and support.
Since 2020, we have been dedicated to guiding South Africans through the debt review process — helping clients restructure their repayments, protect their assets from repossession, and work steadily toward financial freedom. Our NCR-registered counsellors are passionate about making a genuine difference in people's lives.
4+
Years Serving SA
NCRDC 4067
NCR Registered
100%
Confidential
Client-First Approach
We put our clients' needs at the center of everything we do, offering compassionate and personalised support.
Ethical & Transparent
Full transparency throughout the process. No hidden fees, no surprises — just honest, professional advice.
Dedicated Support
Our team walks with you every step of the way, from initial consultation to your final clearance certificate.
NCR Compliant
Fully registered and compliant with the National Credit Regulator, giving you peace of mind and legal protection.
The People Behind Your Plan
Debt counselling is a personal journey. Get to know who you'll be working with.
Our practice is registered with the National Credit Regulator and operates in full compliance with the National Credit Act. We are dedicated to providing ethical, professional debt counselling that puts your financial wellbeing first — with personalised attention from start to clearance certificate.
Areas of Practice
NCR Registered
NCRDC 4067
NCA Compliant
National Credit Act
Fast Response
Within 1 business hour
24/7 WhatsApp
Always reachable
Want to know more before committing? Give us a call — no obligation, just a conversation.
Comprehensive Debt Counselling
From your first application to your final clearance certificate, we provide end-to-end professional debt counselling tailored to your unique situation.
Debt Review Applications
Start your journey to financial freedom with a formal debt review application. We handle the entire process — from assessment to submission — so you can focus on rebuilding.
Enquire NowDebt Review Transfers
Already under debt review with another counsellor? Transfer to us and experience a more attentive, professional service with dedicated support every step of the way.
Enquire NowDebt Review Withdrawals
Successfully repaid your debts and want to exit debt review? We assist with the proper legal withdrawal process to restore your credit status.
Enquire NowClearance Certificates
Once all your debts are settled, we issue your official clearance certificate — your fresh start and proof that you are debt-free.
Enquire NowGeneral Debt Counselling
Not sure where you stand? Our general counselling sessions give you clarity on your options, your rights under the National Credit Act, and your path forward.
Enquire NowNot sure where to start?
Let's Find the Right Solution
Every situation is unique. Speak to one of our consultants for a free, no-obligation assessment.
Ready to Reclaim Your Financial Freedom?
Our team is ready to help you take the first step today.
Fast Response
Within 1 hour
Available
Mon-Sat 8am-5pm
Direct Support
087 550 0669
Live Chat
On WhatsApp 24/7
How Debt Review Works
Our structured 7-step process guides you from financial overwhelm to complete debt freedom. Every step is handled professionally and with your best interests at heart.
Initial Consultation
A free, confidential discussion with our debt counsellor to understand your financial situation and explore your options.
Financial Assessment
A thorough review of your income, expenses, and debts to determine your over-indebtedness and create a clear financial picture.
Application Submission
We formally submit your debt review application to all credit bureaus and credit providers, placing you under legal protection.
Negotiation with Credit Providers
Our counsellors negotiate reduced interest rates and extended payment terms with your credit providers on your behalf.
Court or Tribunal Process
A restructured repayment plan is submitted to the Magistrates Court or Debt Counselling Tribunal for a consent order.
Affordable Monthly Repayment
You make a single, affordable monthly payment through a Payment Distribution Agency (PDA) which distributes to all creditors.
Debt-Free & Clearance Certificate
Once all debts are settled, you receive your clearance certificate — confirming you are officially debt-free and credit-active again.
Ready to start your journey to financial freedom?
Check If You QualifyWhat Could Debt Review Save You?
Use this estimator to see how debt review could reduce your monthly payments. Results are estimates — your actual plan is personalised by a registered counsellor.
Your Situation
See Your Potential Savings
Fill in your details and tap "Calculate" to get a personalised debt review estimate.
The First Aid Debt Solutions Difference
We don't just process paperwork — we walk alongside you until you're truly free of debt. Here's what sets us apart.
Established Since 2020
Dedicated to helping South Africans resolve debt since our founding in 2020.
NCR Registered Counsellor
Fully registered with the National Credit Regulator under NCRDC 4067.
Professional Guidance
Expert advice from qualified debt counsellors who understand the law.
Confidential Service
Your financial information is handled with complete privacy and discretion.
Personalised Solutions
Every plan is tailored specifically to your unique financial circumstances.
Fast Response Times
We respond quickly because we understand that financial stress can't wait.
Client-Focused Approach
We genuinely care about your wellbeing and long-term financial health.
Ongoing Support
We remain available throughout your debt review journey until you're debt-free.
Ready to Take the First Step?
Don't face your debt alone. Contact us today for a free, confidential consultation and let us help you find a way forward.
Transparent Fee Structure
Debt counselling fees in South Africa are regulated by the NCR. Here's exactly what to expect — no jargon, no surprises.
Application Fee
NCR-capped amountA once-off fee charged when you formally apply for debt review. This covers the administrative and legal work to set up your file.
Restructuring Fee
Paid over months, not upfrontCovers the negotiation with your creditors and the drafting of your repayment plan. Spread across your first few monthly payments.
Monthly Service Fee
NCR-regulated maximumA small monthly fee to maintain your debt review account, keep records up to date, and provide ongoing support throughout your journey.
After-Care Fee
Included in your payment planCovers the ongoing management of your case — monitoring payments, liaising with creditors, and keeping your plan on track month to month.
PDA Fee
Paid to the PDA, not to usYour single monthly payment passes through a registered Payment Distribution Agency (PDA), which distributes funds to each creditor. This fee is minimal and regulated.
We do not publish exact fee amounts here because they are calculated based on your specific debt and income situation. You will receive a full written breakdown before signing anything.
Your Protections
As an NCR-registered debt counsellor, we are legally bound to these commitments.
- All fees are prescribed by the National Credit Regulator (NCR)
- Fees are structured into your repayment plan — no large upfront cost
- Full written fee disclosure before you sign anything
- No hidden charges or surprise invoices
- Free initial consultation — no obligation
Check If You Qualify for Debt Review
Complete the form and one of our consultants will contact you to discuss your options. This is a free, no-obligation assessment — completely confidential.
You have a regular income (employed or self-employed)
Your monthly debt repayments exceed what you can afford
You are being contacted or threatened by creditors
You want to protect your assets from repossession
You are looking for a legal, structured solution
Did you know?
Under the National Credit Act, debt review legally protects you from creditors taking legal action, repossessing your assets, or garnishing your salary while you're under debt review.
Ready to Reclaim Your Financial Freedom?
Our team is ready to help you take the first step today.
Fast Response
Within 1 hour
Available
Mon-Sat 8am-5pm
Direct Support
087 550 0669
Live Chat
On WhatsApp 24/7
We'll Call You Back
Complete the form below and one of our consultants will contact you as soon as possible. We respond within 1 business hour during working hours.
Answers to Your Biggest Questions
We know taking the first step can feel daunting. Here are honest answers to what people ask us most.
Debt review (also called debt counselling) is a formal debt relief process regulated by the National Credit Act (NCA). A registered debt counsellor assesses your finances, negotiates lower monthly repayments with your creditors, and consolidates everything into one affordable payment. You are legally protected from creditor action while under debt review.
You qualify if you have a regular income (employment, pension, or other consistent earnings), are a South African resident, and your total monthly debt repayments exceed what you can comfortably afford. You must also not be sequestrated (formally declared insolvent).
The timeline varies depending on how much debt you have and your repayment ability. Most clients complete the process in 3–5 years. Once all accounts listed under debt review are paid off, you receive a Clearance Certificate and the debt review flag is removed from your credit record.
Once you have paid off all accounts included in your debt review plan, your debt counsellor issues a Section 71 Clearance Certificate (Form 19). This is sent to all credit bureaux, and the debt review flag is removed from your credit profile, allowing you to apply for credit again.
Still have a question? We're happy to help.
Ask Us on WhatsAppWhat Our Clients Say About Us
Real stories from South Africans who took back control of their finances.
"I was drowning in debt and too scared to answer my phone. First Aid Debt Solutions walked me through every step with so much patience. Within two weeks my creditors stopped calling. I finally feel like I can breathe again."
Thandeka M.
Gauteng
"I was sceptical at first — I had heard bad things about debt counsellors. But these guys are different. Completely transparent about the fees, always answered my questions, and my monthly payment dropped by nearly R3,000. Highly recommend."
Pieter V.
Western Cape
"After losing my job and falling behind on everything, I thought I was going to lose my car. They sorted out my debt review transfer quickly and kept me updated the whole time. Professional and genuinely caring."
Noluthando K.
KwaZulu-Natal
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Registered, Regulated & Compliant
First Aid Debt Solutions is a registered debt counselling company operating in full accordance with the National Credit Act (NCA) of South Africa. Our operations are regulated by the National Credit Regulator (NCR), ensuring that every client receives ethical, professional, and legally compliant debt counselling services.
NCR Registration
NCRDC
4067
Registered Debt Counsellor
National Credit Regulator
Republic of South Africa
Contact First Aid Debt Solutions
We're here when you need us. Reach out through any of the channels below and our team will respond promptly.
Phone
087 550 0669
081 517 0356
Admin@fadsdc.com
Physical Address
448 Boardwalk Heights
Achilles & Ajax, Olympus
Office Hours
Monday – Friday: 08:00 – 17:00
Saturday: 09:00 – 13:00
Sunday & Public Holidays: Closed
Privacy Policy
Your information is 100% confidential and secure. We never share your data with third parties without consent.
Request Full Policy →Terms & Conditions
Our terms outline the scope of our services, client responsibilities, and important information about debt review.
Request Full Terms →Disclaimer
We are debt counsellors, not legal advisors. Consult qualified professionals for legal advice.
Request Full Disclaimer →First Aid Debt Solutions operates under the National Credit Act (NCA) and is registered with the National Credit Regulator (NCR). Registration number: NCRDC 4067