KHOSI
"I never thought I would get out of debt so easily. When I was told that I will pay a reduced fixed amount I was so relieved, it felt like a dream. My debt was over R300K but now I consider myself debt free."
Pay less on your debt every month
We're a registered debt counsellor. We lower your monthly repayments, stop the creditor calls and protect your home and car - with no upfront fees and no judgement.
WhatsApp us: 060 633 7528 
Registered Debt Counsellor NCRDC2613 · Authorised FSP 50979 · Helping South Africans since 2016
Registered Debt Counsellor NCRDC2613 · Authorised FSP 50979 · Helping South Africans since 2016How debt review helps you
A legal process under the National Credit Act that puts you back in control of your money.
One affordable payment
One monthly payment instead of juggling many creditors.
Lower interest
We negotiate lower rates and longer terms with your creditors for you.
Legal protection
Protection from repossession and creditor legal action while you're under debt review.
Money to live on
Your plan is built around what you can actually afford, after living expenses.
Good to know before you apply
Straight answers to the questions most people ask first.
What does it cost?
Nothing upfront. Fees are set by the National Credit Regulator and built into your monthly repayment.
What about my credit record?
A debt review flag shows on your credit profile while you're paying off your plan, and you can't take on new credit. Once you've finished, we issue your clearance certificate and the flag is removed.
How long does it take?
It depends on how much you owe and what you can afford. Your consultant shows you the full plan before you commit.
Getting out of debt is easier than you think
Three steps from your first call to one affordable payment.
1
Tell us about your debt
Request a call back or WhatsApp us. It takes less than a minute and the assessment is free, with no obligation.
2
We assess and negotiate
A friendly debt counsellor looks at your income and expenses, then negotiates lower interest and repayments with your creditors. No judgement, no jargon.
3
Pay one reduced amount
You make one affordable monthly payment. When your plan is done, you get your clearance certificate and a fresh start.
Real South Africans. Real results.
GEORGE
"There were 5 years with no salary increase, family emergencies and the big one Covid. I fell behind on my monthly payments and I had salary cuts, but Meerkat supported me all the way. I am debt free today."
MABU
"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."
ANATHI
"I was scared of losing my car, but Meerkat helped me restructure my debt. Highly recommend."
Your questions answered
Straight answers about debt review, with no jargon.
What is debt review?
Debt review, also known as debt counselling, is a legal process introduced by the National Credit Act. It helps South Africans who are struggling to pay their debt. Your debt is restructured and interest rates are reduced so you can meet your monthly commitments.
Who qualifies for debt review?
If you have a regular income but can't keep up with your monthly debt repayments, you may qualify. A consultant will do a free assessment to check, with no obligation.
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, so you won't be charged any additional or upfront fees. Generally, the first 2 monthly payments go to the debt counsellor for administering the debt review and legal process. Your creditors are then paid from month 3.
What happens after debt review?
Once your debt has been repaid, your counsellor issues a clearance certificate. It is submitted to the credit bureaus so they can update your record and remove the debt review flag.
What is the difference between debt review and debt consolidation?
Debt review restructures all your debt repayments into one affordable monthly repayment by extending the terms of your credit agreements and decreasing interest rates. Consolidation means taking out one large loan to settle all your debts. Consolidation loans require that you are not over-indebted when you apply.
What are my rights in debt counselling?
• You have a right to apply for debt counselling
• You have a right to be given reasons if your application is rejected
• You have a right to written disclosure of fees before you apply
• You have a right to full disclosure of the process before you apply
• You have a right to receive monthly distribution statements from your debt counsellor and PDA
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