admin@finrescue.co.za Centurion, Gauteng WhatsApp 062 418 6414
Debt counsellors & attorneys

Go from over-indebted to debt-free

Fin Rescue combines all your debt into one reduced monthly payment, protects your home and car, and stops creditors from harassing you.

  • Fees regulated by the National Credit Regulator (NCR)
  • Help in 9 of South Africa’s official languages
  • Discreet – done in person, by phone or by email
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What we do

Three divisions offered at Fin Rescue

Voluntary Debt Mediation

We negotiate directly with your creditors to settle debt before it reaches court.

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Debt Counselling & General Counselling

Registered debt counsellors restructure your debt into one affordable monthly payment.

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Clearing of ITC Record / Debt Review

Paid-up letters, removal of defaults and adverse listings, and help to rebuild your credit record.

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Check your credit score for free at www.i-docs.co.za.

Benefits of debt review

Take the first step towards being debt-free

Use Fin Rescue and all its resources to move from over-indebted to debt-free.

One reduced monthly payment

All of your debt repayments will be consolidated into one reduced monthly repayment plan.

Your assets are protected

Your assets, including your home and vehicle, will be protected from repossession.

No more harassment

Credit providers will no longer harass you with phone calls and threatening lawyers’ letters in the mail.

How it works

The debt review process

From your first consultation to your clearance certificate – this is what happens, step by step.

The debt review process infographic, showing 15 steps from the first consultation to a clearance certificate.
Read the debt review process as text
  1. Consumer consults with Fin Rescue
  2. A new monthly budget is made which covers all basic needs
  3. Credit providers supply information on all debts
  4. A new repayment plan is made and sent to the creditors
  5. Credit providers agree or make counter-proposals
  6. The consumer starts to pay the new reduced monthly amount via a PDA
  7. Court documents are created, including the plan and responses
  8. The consumer signs a confirmatory affidavit for the court
  9. The court considers the plan and responses and makes a court order
  10. The consumer pays every month
  11. The PDA provides statements
  12. Smaller debts are paid off, making more funds available for bigger debts
  13. The time comes when the consumer can leave debt review, or all debt is settled
  14. A clearance certificate is issued and the credit bureaus are notified
  15. The consumer can begin to use credit again if they want to
FAQs

Frequently asked questions

Quick answers about debt counselling and debt review.

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Simply, debt review is a process of handing over your debt negotiations to a debt counsellor – a person who becomes your go-to person, who will compile your debts, look at your income and, with you, work out a payment plan on your instalments and interest options with creditors. Your debt counsellor then negotiates that plan with your credit providers on your behalf.

Consumers who are struggling to meet their monthly debt obligations qualify to apply for debt counselling. These consumers should have a distributable income, which will be used to offer reduced payments to their credit providers. Consumers married in community of property must jointly apply for debt counselling.

Debt management plans typically take three to five years to complete. If your debt counsellor is able to negotiate a lower repayment amount, the account will show up on your credit report as a “settled account”, and you could see a decrease in your score.

Debt review is a very good option for over-indebted consumers. It has changed thousands of lives for the better, rescuing debt-stressed households from the brink of financial ruin.

The mission of the National Credit Regulator (NCR) is to support the social and economic advancement of South Africa by regulating for a fair and non-discriminatory market place for access to consumer credit, and promoting responsible credit granting and credit use, and effective redress.
Testimonials

What our clients say

Fin rescue is baie behulpsaam en verduidelik hulle produkte baie goed. Die dames met wie ek al gesels het is vriendelik en help graag. Ek sal Fin rescue aan ander mense aanbeveel.

— Yolande van Wyk

Good day, Fin Rescue are quick, efficient and honest. They rather help me back on my feet by proposing my financial status without more burdens, helping weighting my options in order for me to live with a bigger income and still pay my debts, removed defaults, old debt, get all the paid up letters and clear my name with lift my ITC Score up while I was paying of my debt… Fin Rescue Rocks

— Fin Rescue client

I just wish to thank Finrescue for assisting me with improving my credit score. They have also helped with reducing the monthly repayments to my creditors which has made my life easier. I will not hesitate to recommend this team to anyone who needs their assistance. Thank you Finrescue, I'm a happy client.

— Fin Rescue client

Ready to take back control of your finances?

Apply online for a free assessment, or speak to one of our debt counsellors.

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