Debt Mediation in South Africa
An Informal Way to Restructure Your Debt Without a Court Order
Debt mediation is a voluntary, informal process that helps you renegotiate your existing debt directly with your credit providers — without adding new loans or going through lengthy court processes. It’s a practical option for South Africans who may not qualify for debt review but still need fast, effective financial relief.
Unlike debt review, which is a formal legal process, debt mediation provides a flexible, out-of-court solution to reduce your monthly instalments and make repayment more manageable.
Key Benefits of Debt Mediation
- Lower Monthly Payments – Negotiate reduced instalments with creditors.
- Flexible Repayment Plans – Adjust terms without adding new credit.
- Direct Negotiation – We engage with credit providers on your behalf.
- No Legal Fees – Avoid costly and lengthy court processes.
- Ongoing Support – Continuous communication with creditors.
- Best for Smaller Debts – Ideal for short-term financial challenges.
Who Qualifies for Debt Mediation?
If you are struggling to keep up with payments but do not meet the criteria for debt review — or prefer a less formal process — debt mediation could be the right choice. It’s especially suited to individuals who:
- Have smaller debt amounts.
- Face temporary financial setbacks.
- Want to avoid being blacklisted.
- Prefer quick, direct arrangements with creditors.
How Does Debt Mediation Work?
A Simple, Step-by-Step Process:
Free Assessment – We review your income, expenses, and debt obligations.
Proposal Creation – A tailored repayment plan is prepared for your creditors.
Creditor Engagement – We negotiate directly on your behalf.
New Payment Plan – Lower monthly payments are implemented.
Support & Monitoring – We ensure you stay on track.
Financial Recovery – Regain stability once your debts are cleared.
Why South Africans Choose Debt Mediation
In today’s tough economy, many South Africans find themselves struggling with debt repayments. Debt mediation offers a practical way to regain control — without the stress of court orders or legal restrictions. By working directly with your creditors, you can achieve affordable payments and peace of mind.
Take the First Step Today
Contact us for your free, no-obligation assessment and see how debt mediation can help you breathe easier financially.
