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Debt Management

Pay less for your debt each month and get immediate relief

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How we'll help you

Debt is a dangerous game, but unfortunately, there are millions of people who are stuck in debt. If you are one of them, you’re not alone. Studies have shown that South Africans spend 75% of their take home pay on debt. It might feel like you’re trapped in a vicious cycle of paying off your existing debt and creating more, but it doesn’t have to be that way.

So, the all important question is how to get out of debt in South Africa. Simply put, all you need is some debt managementmaking things simpler and easier to manage. That’s where debt consolidation comes in and helps to make everything simpler.

Meerkat South Africa is here for your debt counselling needs - decreases summonses and judgments as well as protecting your assets from repossession. Going into debt review might feel like a big step to take, but it’s the most effective way to regain your financial freedom.

You might be wondering why Meerkat is the best option when it comes to debt solutions in South Africa. When it comes to debt help, our number one priority is to take care of you! Take a look at what our clients have to say below to see why Meerkat debt is here for your debt rescue.

Registered Debt Counsellor- NCRDC2613

Why Choose Meerkat Debt Management?



All your debt is bundled into one easy reduced monthly payment with low interest rates.


Pay only what you can afford, make sure you cover your living expenses to live your best life.


Experience confidentiality from industry professionals and attorneys with full legal protection.

Don't take our word for it, this is what our clients say


A Life Saver.
"I was so sceptical going into this but the agents assisting me were friendly, calm, kind and accommodating. They took the time to explain everything and even put it in writing so that whatever we discussed was in "black and white".

Thank you Meerkat, you are saving my life.


Very friendly service and quick to help.
"They called back quickly and were very friendly. Answered all the questions I had with ease, explaining things so I understand exactly what's going on."


I've been in debt and I couldn't even buy groceries, cosmetics.
"I've been in debt I couldn't even buy groceries, but ever since I joined Meerkat things were starting to be better, I can even recommend it to a friend, family and colleagues. It's very helpful."


Our most asked questions answered here: Lets reduce your reliance on debt and help you build up resilience for financial emergencies. Master your debt, there is always hope.


What is debt review?

Debt review, also known as Debt counselling, is a legal process introduced by the National Credit Regulator. It is a process set up to help South Africans who are struggling to pay off their debt. The debt obligations are restructured, and interest rates are reduced to enable consumers to meet their monthly commitments.

What are the rights of consumers in debt counselling?

• Consumers have a right to apply for debt counselling
• Consumers have a right to request for, and be provided with, reasons if their application for debt counselling is rejected
• Consumers have a right to written disclosure of fees applicable prior to application for debt counselling
• Consumers have a right to full disclosure of the debt counselling process prior to application for debt counselling
• Consumers have a right to receive distribution statements from their debt counsellors and PDAs on a monthly basis

What is the difference between debt review and debt consolidation?

Debt review is the restructuring of all your debt repayments into one affordable monthly repayment by extending the terms of your credit agreements and decreasing interest rates, whereas consolidation entails taking out one large loan to settle all debts and only paying back one loan. Consolidation loans require that you are not over-indebted at the time of application.

What happens after debt review?

Once the process has been completed and your debt has been repaid, your counsellor will issue you with a clearance certificate. The certificate is then submitted to the Credit Bureau so that they can update your record and remove any negative information they hold.

What costs are involved in debt review?

Debt counsellors’ fees are regulated by the National Credit Regulator (NCR) and form part of your monthly repayment amount so you will not be charged any additional or upfront fees. Generally, the 1st 2 monthly payments go to the debt counsellor for administering the debt review and legal process. Your creditors are then paid from month 3.

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