Debt review companies
Debt Therapy review
By Lerato Molefe · 5 min read · Updated 24 June 2026
- Type
- NCR-registered debt counsellor
- Service
- Full debt review under the National Credit Act
- Free assessment
- Yes
- Online portal
- Varies
- How they are paid
- Regulated NCR fees added to your monthly payment
- Contact
- Via their official website and NCR-registered details
Debt Therapy is an NCR-registered debt counsellor in South Africa offering free debt assessments, a single reduced monthly payment and negotiation with your creditors, but, as with all debt review, the debt review flag sits on your credit profile while active, you cannot take new credit and regulated fees are added to your repayment.
This review explains what Debt Therapy does, how the process works and the trade-offs, so you can compare it with other counsellors. We are independent and earn nothing from Debt Therapy.
The legal process is the same at every registered firm because it follows the National Credit Act. The differences are service and fee transparency.
What Debt Therapy does
Debt Therapy is a debt counsellor. It assesses whether you are over-indebted, restructures your debt into one affordable monthly payment and has it distributed to your creditors by a registered agency. It negotiates reduced instalments and interest and gives you the legal protection of debt review.
It is not a lender. The aim is to make your existing debt manageable.
How the process works
Debt Therapy follows the standard legal steps: a free affordability assessment, an application notifying creditors and bureaus, a restructured plan confirmed by court where required, then one monthly payment until your debts are cleared and a clearance certificate is issued.
Most of the process can be handled remotely.
Debt Therapy vs the category norm
| Feature | Debt Therapy | Typical NCR debt counsellor |
|---|---|---|
| NCR-registered | Yes | Yes |
| Free assessment | Yes | Usually yes |
| Online portal | Varies | Varies |
| Court-confirmed plan | Yes | Yes |
| Single monthly payment | Yes | Yes |
| Clearance certificate | Yes | Yes |
Debt Therapy offers the standard counsellor structure. Compare on service and clear fees.
Fees and downsides
Debt Therapy charges the regulated fees from the NCR guidelines: an application or restructuring fee, a legal fee, a monthly aftercare fee and the distribution agency fee, added to your monthly payment. Fees scale with your debt, so we give ranges.
The downsides apply to every provider: the debt review flag while active, no new credit, fees off your monthly payment and a process that can take years. The benefit is one affordable payment and protection from legal action.
Frequently asked questions
Is Debt Therapy legit?
Debt Therapy operates as a registered debt counsellor with the National Credit Regulator. Verify the registration on the NCR website before committing.
How does Debt Therapy work?
It assesses your affordability, files a debt review application, negotiates reduced instalments and collects one monthly payment distributed to your creditors until your debts are cleared.
Does Debt Therapy give loans?
No. Debt Therapy is a debt counsellor, not a lender. It restructures existing debt rather than giving new credit.
How much does Debt Therapy charge?
Fees follow NCR guidelines and scale with your debt: an application fee, a legal fee, a monthly aftercare fee and a distribution fee, all added to your monthly payment.
How do I contact Debt Therapy?
Use the contact details on the official Debt Therapy website or their verified NCR listing. We do not publish phone numbers because they change.
How long does Debt Therapy debt review take?
Unsecured debt usually clears in three to five years, while a bond can extend it. A clearance certificate follows once everything except a running home loan is settled.
Can I cancel Debt Therapy debt review?
After a court grants the order you cannot just stop. You complete the plan or apply formally for removal, usually by proving you are no longer over-indebted.
