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Product Guide: Debt Therapy

Debt Therapy Fee Structure

Comparison Overview:

  • Product: Fee Structure N/A
  • Application/initiation fee: free
  • Rejection fee: R300.00
  • Restructuring fee: Maximum of R6,000.00
  • Monthly fee: A monthly after-care fee of 5% (excluding VAT) of the monthly instalment of the debt re-arrangement plan up to a maximum of R400.00 (excluding Vat), for a period of 24 months, thereafter reducing to 3% (excluding VAT) of the monthly instalment, to a maximum of R400.00 (excluding VAT), for the remaining period of the debt re-arrangement plan. A monthly fee of 3% of your contribution, minimum of R57 with a maximum of R500 + VAT is collected by the National Payment Distribution Agency (NPDA) who receive and distribute your funds paid towards your debt review. The NPDA are a reputable distribution Agency, approved and registered with the National Credit Regulator.

Product Overview

Debt Therapy exists to help you deal with your debt problems if you are over-indebted. Debt Therapy offers government regulated debt counselling services to help get your life back on track.

Debt therapy can help you deal with the following types of personal debts:

  • Store cards
  • Credit cards
  • Personal loans
  • Bank overdrafts
  • Hire purchases
  • Bonds

Key features of our debt counselling program:

  • Free advice
  • Quick and easy
  • No interviews in person
  • In complete confidence. Your employer or work colleagues won’t find out.


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