About Us


Established in 2010, servicing clients all over South Africa, our aim is to offer outstanding and quality service to our clients, ensuring satisfaction through our work, by providing our services through qualified and registered debt counsellors in terms of Section 86 of the National Credit Act (NCA). The act was promulgated to regulate debt counsellors, creditors and credit bureaus  in order to protect the consumer in a way to prevent unfair credit and credit market practices, irresponsible credit granting and provision for consumers to restructure their finances in the right manner, so to lead to a debt free society.

Mzansi Debt Clinic is able to assist with:

  • Assessing your debt and providing you with relevant advice – FREE OF CHARGE
  • Placing over-indebted clients under Debt Review, based on assessment results
  • Providing financial advice in cases where there is no need for client to go under Debt Review
  • Rescission on Judgements
  • Rescission on Administration Orders
  • Educating employees and employers by means of workshops and seminars at your workplace on debt assistance, debt council practices, credit bureaus and the credit act.


Mzansi Debt Clinic aims to provide leading Debt Counselling Solutions by giving our clientele tailor made Remedial Financial Solutions to each client. We will be able to achieve our goal because we have a highly experienced & passionate team offering the best customer care to ensure we are able to emancipate all over indebted South Africans out of the debt scourge.


We strive to take the majority of over indebted South Africans on to the Long Walk to Financial Freedom so they too can enjoy again financial control. Through our dedicated team we will achieve the best tailor made debt counselling solutions in South Africa.


Our customers are individuals and each case has a tailor made solution.
Integrity, Honesty, Empathy for Clients
Innovation, Team Spirit, Quality Service
Good Management

Debt Trap

Experts Report

Debt Statistics in South Africa currently stand as below, and are on a daily incline:

There are 24.31 million credit-active consumers, the percentage of consumers in bad standing is now 40.15% (9.76 million), 2 out of every 5 credit-active consumers. This is 8 million more than the total number of employed people in South Africa.

Consumers owe as much as 75% of their monthly income to creditors, while 60% of the population are struggling to meet their monthly repayments for their home loans and credit cards.

Only 23% of South Africans have money left at the end of the month, with the other 77% left broke at the end of the month and no means of saving money.

Over 11 million of South Africa’s credit-active consumers are described as over-indebted.

What is over-indebtness?

An individual or household is over-indebted if its income is not sufficient to service the debt on time and provide household expenses, despite a reduction in the standard of living.

Why people fall under so much debt?

Think about it, just like no one plans to be a drug addict, no one plans to get into a debt trap. There are a number of reasons why one could end up being over-indebted, to name a few:

– Unemployment, retrenchment or salary cuts
– The constant rise in the cost of living
– Poor Financial Management (forgetting to save for emergencies and needs, overspending on wants)
– Building Credit ( Many people think they need to build credit but eventually get carried away with using credit on unnecessary items)
– Social Status (Some people easily attracted by product Ads, or are social-conscious trying to impress, fit in and show off, end up living beyond
their means)

Consequences of being over-indebted:

Being over-indebted is likely to lead to financial stress which can influence your health and wellbeing, which can also have a negative impact in your workplace. Money cannot buy you happiness but it can sure cause you an unhealthy level of stress. Health issues will then cause an increase in your medical expenses, i.e. Insomnia, severe anxiety and depression, heart problems and migraines. Also, once you have been declared as over-indebted it becomes difficult to provide for your needs and apply for credit in a case of an emergency.

The stats above are a clear indication that you are not alone in the struggle of debt. You just need to take your 1 st step into financial freedom, and that is consulting a debt-counsellor to assist you with sorting out your debts.

Go ahead and contact us for a free assessment.

The Role of the NCR

The National Credit Regulator (NCR) is the regulator for the National Credit Act (NCA) and regulates the South African credit industry.
The role of the National Credit Regulator is to:

  • Ensure enforcement of the National Credit Act
  • Register industry participants (Debt Counsellors, Creditors and Credit Bureaus)
  • Ensure that debt counsellors, creditors and credit bureaus comply with the National Credit Act
  • Investigate complaints against debt counsellors, creditors and credit bureaus
  • Educate and create awareness on the protection the National Credit Act offers to credit consumers
  • Research the credit market and its trends
  • Advise government on policy legislations


All debt counsellors are required to be registered with the NCR, this ensures that the consumer right in terms of the NCA is protected.

Mzansi Debt Clinic is registered with the National Credit Regulator. Our NCR registration number is NCRDC1661.
Registered with the Companies and Intellectual Property Commission (CIPC). Our company registration number is 2015/152227/23.
Imali-Corp. trading as Mzansi Debt Clinic