Debt Review
Debt Review Made Simple –
Your Path to Stability Starts Here.
How can we help you?
We offer trusted debt review services designed to help you overcome financial strain and protect your assets. Our experienced team works closely with you to understand your unique situation and negotiate with your creditors for reduced payments and more favorable interest rates. If you qualify for the program, we’ll consolidate your debt into one affordable monthly payment, tailored to your budget.
Our Process
Free Debt Assessment
We review your credit profile to understand your challenges and goals.
Analysis & Recommendations
Receive a clear overview of your finances with tailored debt solutions.
New Repayment Plan
We negotiate lower payments and interest for one simple monthly payment.
Ongoing Support
Your account manager is available for quick, professional assistance.
Become Debt-Free!
Once settled, we provide a clearance certificate, freeing you to achieve your goals.
Let’s get started with your free debt assessment
An experienced consultant will contact you to understand your financial situation. We can then recommend the best options to get you out of debt quickly and affordably. In addition, you will get a free credit report & financial health report.
Case Study: How Debt Review Helped Phumi
Phumi is extremely stressed and finds herself in a challenging financial position. She earns R 12 000 per month. Previously she worked over-time to increase her income, but she is now unable to due to changes at work.
Phumi is a single mom with 2 children. Due to changes in personal circumstances and rising costs.
View Phumi's debt profile below:
| Account | Outstanding Balance | Current installment |
| Old Mutual Loan | R 31 250 | R 2 650 |
| Absa Credit Card | R 8 000 | R 1 000 |
| Woolworths Credit Card | R 5 000 | R 600 |
| Edgars | R 4 200 | R 510 |
| Jet | R 4 000 | R 480 |
In total, her installments came to R 5 240 per month.
Although Phumi always kept up to date with the payments on her debt, a few months ago she got a short-term loan (pay day loan) from Barko Financial Services for R 8 000. This amount needed to be paid in full the following month and it took almost her entire month’s salary. Phumi therefore ended up falling behind on her other accounts and struggled to meet her living expenses. As a result, Phumi needed to visit Wonga for another, new pay day of R 6 000.
Currently, Phumi earns R 12 000 but is required to pay a combined R 11 240 towards her debt. She therefore needs to continuously get a new pay day loan every month to meet her living expenses.
Phumi realized her situation is unsustainable and decided to seek help. She did some online research and read some reviews and decided to approach Vantage Debt Management. A consultant contacted her and found that debt review was the perfect solution to help her and her children. Under debt review, Phumi’s R 11 240 total installments will be consolidated into one payment of R 3 500 per month. While her accounts are being paid, she will now have R 8 500 left for herself and children (R 12 000 income minus R 3 500).
Phumi’s financial stress has decreased dramatically because of the debt review solution. Once her accounts are paid up Phumi’s credit record will show no sign of arrears and any information relating to debt review.
Six months after starting debt review, she received an increase at work and started paying more towards her debt. This allowed her to finish paying off her debt much sooner than she expected.
Why Vantage
Registered with NCR
Vantage Debt Management is registered with the National Credit Regulator (NCRDC 2955) and complies with all regulatory guidelines as per the National Credit Act.
FREE Valuable Insight and Advice
We offer financial assessments and expert advice to manage your debt. You will get a credit report, financial health report and professional advice, all completely free.
Affordable and Flexible Repayment Plans
With our vast experience, industry knowledge and the latest technology we can accurately find the most affordable solution for you. The time it will take to repay your debt is flexible and in your control.
Your Own Specialized Account Managers
To ensure you are always comfortable, you will have a dedicated team to speak to regarding any queries you may have. Our friendly and experienced staff are here to listen and help you whenever you need them.
Ethical and Transparent
We pride ourselves in being open and honest in everything we do. Transparency, honesty & respect is in our DNA.