---
title: "Our Services"
description: "Our Services Home Our Services Professional Debt Review & Debt Counseling Services in East London & South Africa Debt review, also known as debt counselling, is a legal process designed to..."
url: https://vsdebtcounseling.co.za/our-services/
date: 2025-02-14
modified: 2026-05-21
author: "admin"
type: page
lang: en
---

# Our Services

# Our Services

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Home

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**
Our Services

## Professional Debt Review & Debt Counseling Services in East London & South Africa

Debt review, also known as debt counselling, is a legal process designed to assist individuals who are struggling with debt. If you find yourself unable to meet monthly financial obligations, (https://vsdebtcounseling.co.za/about-us/) can help restructure your debts into a single, more affordable monthly payment.

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In-person debt consultations!(https://vsdebtcounseling.co.za/wp-content/uploads/2025/02/Assessment.jpg)Meet with a (https://vsdebtcounseling.co.za/) in person to review your financial situation and discuss available options. This allows for a more detailed, (https://vsdebtcounseling.co.za/benefits-of-debt-review/) tailored to your specific circumstances.

Virtual consultations for persons based anywhere in South Africa!(https://vsdebtcounseling.co.za/wp-content/uploads/2025/02/Assessment-2.jpg)Consult with us remotely from anywhere in South Africa using phone or online channels. You receive the same structured debt review guidance without needing to visit our East London office.

Debt Review Clearance (terms and conditions apply)!(https://vsdebtcounseling.co.za/wp-content/uploads/2025/02/Creditor-Notification.jpg)We assist clients applying for a debt clearance certificate. This process confirms that all obligations have been settled in line with the approved repayment plan.

Prescribed debt clearance (terms and conditions apply)![6546](https://vsdebtcounseling.co.za/wp-content/uploads/2025/02/6546-1024x511.png)We help assess whether any of your debt may qualify for prescription under applicable legal conditions. Where applicable, we guide you through the process of addressing prescribed debt correctly.

Debt Clearance Certificate!(https://vsdebtcounseling.co.za/wp-content/uploads/2025/02/Legal-Protection.jpg)Once all debts are settled, we assist in obtaining a debt clearance certificate, allowing you to rebuild your credit profile.

 

##### **Reckless Lending Assessment:**

If the company that gave you credit did not do an affordability assessment before giving you the credit.
OR if you were given credit, but the affordability assessment showed that you could not afford the credit, you may be a victim of reckless lending. Contact us to investigate the matter and do a reckless lending assessment. If you have a solid case, the matter will be referred to a Magistrate’s Court for a final decision.

 

## Get In touch

## Start today – book your obligation free virtual consultation

[

Apply Now

](https://vsdebtcounseling.co.za/contact-us/)

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## Official Membership & Industry Recognition

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