About Fix Debt Review SA
We built a legal, direct route out of debt review.
Founded in 2020 in Umhlanga, we help South Africans reclaim the credit freedom they have already earned.
Our story
A system that breaks down far too often for ordinary people.
We created Fix Debt Review SA to fix a system that breaks down far too often for ordinary South Africans.
Under the National Credit Act, debt review was created to protect consumers from repossessions and legal action during tough financial times. But in reality, it often turns into a trap. Thousands of people who have settled their accounts, improved their income, or were wrongfully listed in the first place find themselves stuck in financial limbo.
Whether it is an unresponsive debt counsellor who disappeared, bureaucratic delays, or credit bureaus failing to update records, the outcome is always the same: you are blocked from buying a home, financing a vehicle, or getting a credit card.
Fix Debt Review SA was built to give you a legal, direct route out.
We don't deal in dodgy grey-area shortcuts or promises that leave your credit record exposed down the line.
We focus strictly on the legal mechanisms of debt review removal under Section 71 of the National Credit Act. We do the heavy lifting: securing your Form 17.2 clearance certificates, overriding ghost counsellors, filing direct NCR applications or court orders, and enforcing profile updates across all four major credit bureaus (TransUnion, Experian, Compuscan and XDS).
Our mission is simple: transparent guidance, zero fluff, and restoring the credit freedom you have earned so you can move forward with your life.
What guides us
- Transparent guidance. Plain language, a written fee before any work, and no hidden monthly charges.
- Strictly legal. Section 71 removal mechanisms only, never shortcuts that expose you later.
- Follow it through. We track all four bureaus until your record reads clean.
- Authentically local. Built for South African consumers navigating the NCA and NCR.
Compliance
Held to the letter of the law.
- Section 71 of the NCA. Your legal right to exit debt review once your obligations are met or your circumstances have improved.
- Section 126A of the NCA. We do not collect full fees upfront before delivering the agreed outcome. You receive a written, transparent fee structure first.
- POPIA. We process sensitive personal and financial data only to conduct your assessment, and store it securely.