At DEBT SA we know that every debt problem is solvable... there are many solutions and we're here to help. Whatever your scenario is, we'll listen to you, understand your situation and offer practical solutions to help you. As part of our expert advice we’ll look at all of your options before we make a recommendation that’s right for you and we'll make sure your debt help personalised plan puts you back in control. Our services include the following: Debt Management A Debt Management Plan helps you manage your debts by lowering your repayments. Debt Counseling If you’re struggling with debt, it can be hard to know where to turn. But with lots of advice services available across South Africa, you can find help in a way that’s best for you. Debt Consolidation If you are finding your debts a problem, you could get them under control with a little help. Debt consolidation could help you repay your debts by combining them into just one regular payment, which could be at a reduced rate and/or over a longer period of time.