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db Debt Counsellors is a boutique Debt Counselling company, situated in East London. Our fully qualified and extensively trained and experienced debt counsellor offers personal and tailor-made services according to your needs.

If your income is not enough to pay your debt and support your family, maybe its time to stop using credit and go for the solution that works.


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What is Debt Counselling?

Debt Counselling is a formal legal process that assists an over-indebted consumer by restructuring their credit agreements. The restructuring includes reduced installments, increased repayment terms, and even negotiate reductions in interest rates and charges in certain circumstances.

The consumer needs to use a registered Debt Counsellor to help with the process and will negotiate the actual restructuring of the debt.

The purpose of debt counselling is to assist a consumer to meet their debt repayments. By restructuring your credit agreements to amounts you can afford, you are able to get back on track with the repayment of your debt. This includes all types of credit in terms of the National Credit Act. Any arrears that you might have on your accounts is also re-calculated back into the repayment plan.

Who can offer the services of a Debt Counsellor?

A Debt Counsellor is a person who meets the minimum requirements in the National Credit Act 34 of 2005. These requirements include being a South African citizen; having a matric; having some general business or financial experience, and have successfully completed the National Credit Regulator training course.

Your Debt Counsellor is an INDIVIDUAL, not a company. We have found that many problems are caused where a consumer does not know or has never met their Debt Counsellor. This is why we will ONLY accept a new client on after they have had a face to face consultation with our Debt Counsellor.

Our Debt Counsellor

Our registered Debt Counsellor and the person that will be assisting you with your debt issues is Denver Bright. His registration number with the National Credit Regulator is NCRDC2315 and you can view his registration certificate here.

Benefits to the Client

  • Your Debt Counsellor will review your finances, develop a monthly budget and negotiate with your credits
  • Enables clients to make monthly debt repayments
  • Relieves clients from creditors hassling for money
  • Maps out the path for reducing bad debt and becoming debt-free
  • Decreases summonses and judgments against clients

Who qualifies for Debt Counselling

  • Any person who is employed and earning a regular income is entitled to go under Debt Counselling
  • Only a person who is over-indebted can go under Debt Counselling (we check this for you)

Debt Counselling is a rehabilitation process that helps you settle your debt and get you back into the credit market.

When you settle your debt, we give you a Clearance Certificate and also send it through to the credit bureaus. This certificate clears your credit record and allows you to take on affordable credit, in a responsible manner.

Frequently Asked Questions

There are many frequently asked questions that clients have, we have listed the most common ones below.

Do I have to go to Court for Debt Counselling?

No. Your Debt Counsellor is the applicant in your debt review and therefore they will attend court or appoint an attorney to attend court on your behalf. You will need to provide a signed affidavit though before the court appearance.

Will I lose my assets if I go under Debt Counselling?

If you participate and make payments in terms of the acceptances issued by your creditors, you will not lose any assets. If you default on the new arrangements negotiated by your Debt Counsellor, your creditors can terminate the debt review and proceed against you. This may include the loss of assets.

How can I tell if Debt Counselling is the solution for me?

This question has a very simple answer, if your income does not cover your monthly living expenses and leave you enough to pay your debt, then YES, Debt Counselling is your solution.

Is Debt Counselling the same as Administration?

NO! They are two different processes, using two different sets of laws to try and assist consumers. This being said, Administration is an expensive way to pay off relatively small amount of debt (less than R50k). While Debt Counselling is an affordable way of paying off ANY amount of debt.

I am married, does my spouse also have to go under Debt Counselling?

It depends on your marriage type. If you are married in community of property, then yes, your spouse MUST go under debt counselling as well. If you are married OUT of community of property, then NO, your spouse does not need to go under debt counselling with you.

What if my creditors have taken judgment against me?

We will still be able to assist you with your remaining debt. We will also TRY to negotiate affordable payments with the creditors/attorneys who have taken judgment.


If you have questions not covered here, a visit to the National Credit Regulator’s page will also help you. You can also go to our Contact page and send us a message.

Request Assessment

Terms and Conditions of submitting this form

  • This is not an application for debt review, this is an assessment to give you an idea if you may be a candidate for debt review or not
  • There is no cost to submit this form
  • There is no obligation placed on you by submitting this form
  • By submitting this form you confirm your instruction and authorisation for us to access your credit record

DBDC Contact Details

Use this page to get all the DBDC contact details that you might need in order to get in touch with us.

We also love to stay engaged with our audience, feel free to reach out to us on this page, through our Social channels or even by commenting on our blog articles. We’d love to get to know new people in this way!

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