National Debt Counsellors

What National Debt Counsellors does

National Debt Counsellors (legal entity: NDC Debt Counsellors (Pty) Ltd) is a South African NCR-accredited debt counselling firm headquartered in Umhlali, KwaZulu-Natal, that helps over-indebted individual consumers restructure their debt under the National Credit Act 34 of 2005. The company operates a nationwide direct-to-consumer service via a distributed team of 140+ registered debt counsellors, intake channels spanning phone, WhatsApp, website callback, and social, and a seven-step debt review process that consolidates multiple obligations into a single affordable monthly instalment, negotiates lower interest rates and extended terms with creditors, provides immediate legal protection against creditor action and asset repossession, and clears the consumer's credit record on completion.

The product surface is concentrated in a single core service (Debt Review / Debt Counselling) with two add-on modules: NDC Rewards, a retailer-discount loyalty program offering up to R3,500 per month in client savings, and NDC Support, a dedicated customer assistance offering. No proprietary technology platform, mobile app, or public API is described; the underlying technology footprint is the NCR-regulated operating environment plus Payment Distribution Agents registered with the NCR for fund distribution. Pricing and revenue mechanics are fully regulated: an application and administration fee of R350+VAT, a restructuring fee equal to the first month's instalment capped at R8,000+VAT (R9,000+VAT for joint applications), a reckless lending fee of R1,500+VAT, a monthly maintenance fee of 5% of instalment capped at R450+VAT, and additional legal fees for court orders — all deducted directly from client instalments.

Go-to-market is sales-led and direct-to-consumer targeting a single horizontal persona (over-indebted South African adults aged 18–65 with regular income), with no enterprise channel, no resellers, and no disclosed institutional ownership, parent company, or external funding. The firm maintains a partnership with the National Credit Regulator (NCR) as its core regulatory counterparty, and operates active content and social presence (blog, Facebook, YouTube, Instagram) to drive top-of-funnel demand.

Name

National Debt Counsellors

Legal name

NDC Debt Counsellors (Pty) Ltd

Website

https://nationaldebtcounsellors.co.za

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

51–100 employees

Short description

National Debt Counsellors is a South African NCR-registered debt counselling firm that helps over-indebted consumers restructure debt into a single affordable monthly payment. Operating nationwide with 140+ registered debt counsellors, it charges NCR-regulated professional fees for its services.

Ownership category

akta.pro rank

Product category

Debt Counselling and Consumer Credit Restructuring

akta.pro primary industry

Credit Counseling & Debt Management Plans (DMP) (FSAKAJAH)

akta.pro secondary industries

Collections & Creditor Negotiation Support (Debtor-Side) (FSAEAFAI), Debt Settlement & Negotiation Services (FSAEAFAC)

Keywords

• Debt counselling services
• Debt review process
• Consumer debt restructuring
• Credit counselling
• Debt consolidation services

Headquarters

HQ city

Stanger

HQ country

South Africa

HQ region

Africa

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Debt Counselling Professional Services: The company generates revenue through regulated professional fees for debt counselling services. Fees include an application and administration fee of R350 plus VAT, a restructuring fee equal to the first month's instalment up to a maximum of R8,000 plus VAT (R9,000 for joint applications), a reckless lending fee of R1,500 plus VAT, and a monthly maintenance fee of 5% of the instalment up to R450 plus VAT. Legal fees for court orders are also charged. These fees are deducted from monthly instalments.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

National Debt Counsellors is an NCR-registered debt counselling firm that provides a formal debt review and restructuring service under South Africa's National Credit Act. It negotiates reduced interest rates and extended repayment terms with creditors, consolidates multiple debts into a single affordable monthly instalment, and provides immediate legal protection from creditor action and asset repossession. It supplements its core service with an NDC Rewards savings program and ongoing client support.

Product overview

National Debt Counsellors operates as a single-service debt counselling company offering a unified debt review and restructuring program regulated under South Africa's National Credit Act. The core product is the Debt Review/Debt Counselling Service, which provides a comprehensive 7-step process including free financial assessment, creditor negotiation, payment restructuring, and credit record clearance. This core service is supplemented by the NDC Rewards Program (offering monthly savings from retailers up to R3500) and NDC Support services. All services are delivered through accredited debt counsellors registered with the National Credit Regulator (NCR) and operate from their headquarters in Umhlali, KwaZulu-Natal.

Differentiator

Problem solved

Functional benefit

Brands

• NDC Rewards: A rewards program offering clients savings of up to R3500 per month from South African retailers.

Products and services

• Debt Review / Debt Counselling Service A formal debt restructuring service regulated under South Africa's National Credit Act 34 of 2005, targeted at over-indebted South African consumers. The 7-step process includes a free confidential financial assessment, Form 16 application, creditor notification, renegotiation of reduced interest rates and extended repayment terms, consolidation of multiple debts into a single affordable monthly instalment, court order registration for legal protection, and credit record clearance upon completion.
• NDC Rewards Program A client rewards and savings program that provides enrolled debt review clients with savings of up to R3,500 per month from South African retailers, accessible via a dedicated login portal at rewards.nationaldebtcounsellors.co.za.
• NDC Support A dedicated client support service providing ongoing assistance to clients throughout the debt review journey, accessible via an online contact form.

Quantifiable outcome

• Save up to R3,500 per month on debt repayments
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• National Credit Regulator (NCR)coreOthersThe NCR is the regulatory body overseeing debt counselling in South Africa. National Debt Counsellors is an accredited debt review company registered with the NCR. The NCR issues fee guidelines for debt counselling services and maintains oversight of the debt review process.

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• African Bank: Established South African retail bank providing consumer credit and lending products. Relevant as a major credit provider whose customers are a primary source of debt review inflows for NCR-registered counsellors.
• Bayport Financial Services: Large South African personal lending and financial services provider. Operates adjacently in consumer credit markets and engages with the same over-indebted customer base, though its core is lending rather than debt counselling.
• Indwe Risk Services: Larger South African financial services and insurance advisory group with adjacent offerings in personal financial advice. Comparable as a broader incumbent in consumer financial services, though not a debt-counselling specialist.
• Old Mutual Personal Finance: Large South African financial services group offering lending, insurance, and financial wellness products. Relevant as an incumbent with the scale and product breadth to either compete with or acquire debt counselling capability.

Direct peers

• Debt Rescue: Major South African NCR-accredited debt counselling firm offering debt review and consolidation services. Operates in the same regulatory environment and targets the same over-indebted consumer segment.
• DebtBusters: One of South Africa's largest and most recognized NCR-registered debt counselling companies, offering debt review, restructuring, and financial wellness services to over-indebted consumers. Directly comparable in target market, regulatory framework, and service offering.
• National Debt Advisors: NCR-registered debt counselling firm providing debt review and restructuring services to South African consumers. Despite a similar name to NDC, it is a distinct direct competitor operating in the same regulatory niche.
• Debtfin: South African NCR-registered debt counselling company offering debt review, restructuring, and creditor negotiation services to over-indebted consumers. Comparable in service scope and regulatory positioning.
• Carefin: South African debt counselling and financial advisory firm registered with the NCR, providing debt review and restructuring services. Comparable in regulatory framework and customer segment.
• Debtology: NCR-registered debt counselling practice offering debt review, payment consolidation, and creditor negotiation to South African consumers. Smaller but directly comparable service model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/channel/UCNNpX2VH7fajFgo65s-adIA
• Facebookfacebook.com/NDCNationalDebtCounsellors
• Instagraminstagram.com/nationaldebtcounsellors
• Xx.com/NDCDebt
• LinkedInlinkedin.com/company/national-debt-counsellors

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National Debt Counsellors