LokisaHow it goes
First your answer. Then you decide about the call.
Answer seven questions
Your province, how you're coping with repayments, more or less what you owe, and what your household earns. Close enough is good enough.
Get your result
It comes up on screen at once, drawbacks included. You see it without handing over any contact details.
Pick your next step
Ask My Debt Hero to phone you, or close the page and carry on with your day.
The honest picture
What debt review gives you, and what it takes.
What it offers
- A single, smaller monthly repayment that replaces all the separate ones and suits your budget.
- A debt counsellor who asks your credit providers for lower interest rates on your behalf.
- While the plan runs, creditors speak to your counsellor and not to you.
What it doesn't offer
- Cancelled debt. You pay back what you owe, normally over a longer stretch.
- An untouched credit record. Debt review shows on your profile, and you can't open new credit until you hold a clearance certificate.
- Help at no charge. Debt counselling fees apply, and they are part of your repayment plan.
- Every account included. Accounts already in legal action may fall outside the plan.
Mphemphe e a lapisa, motho o kgonwa ke sa hae.A Sesotho proverb: begging leaves you hungry; a person is carried by what is their own.
Who runs this page
We make the introduction, and we tell you how it works.
LokisaDiTjhelete helps South Africans get a grip on their money and find the help that fits. We are not debt counsellors and we don't lend money.
When your result points to debt review and you ask for a call, we send your answers and contact details to our debt counselling partner, registered with the National Credit Regulator: .
You pay nothing for the money check. My Debt Hero may pay LokisaDiTjhelete a referral fee. That fee makes no difference to what you pay the debt counsellor.
Questions we hear often
Does this check touch my credit score?
No. Seven questions on a web page are not a credit check, and no credit bureau hears about them. Debt review itself, should you choose it later, stays on your credit profile until you are cleared.
How much does it cost?
The money check is free. So is the first call, and it commits you to nothing. If you go into debt review, the debt counsellor's fees form part of your monthly repayment. Your counsellor has to explain those fees before you sign.
Who will see my information?
LokisaDiTjhelete, and My Debt Hero in Paarl once you have ticked the consent box. Nobody else. The privacy notice tells you how to get your details removed.
I'm under debt review already. What should I do?
A second debt review isn't possible. Speak to your current debt counsellor first. If their service lets you down, the National Credit Regulator takes complaints.
I have no income at the moment. Can I still apply?
Not yet. Debt review relies on a regular income to pay the reduced instalments. Your result lists free help you can use in the meantime.
How do I stop the calls and messages?
Reply STOP on WhatsApp or tell the person who phones you. You can do that at any time, and we remove your details.