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Company details

  1. Debt Relief Service
  2. Credit Counseling Service
  3. Non-Bank Financial Service

Written by the company

Zero Debt is a trusted South African debt counselling company dedicated to helping individuals regain financial control and achieve long-term financial freedom. Since 2009, we have assisted thousands of consumers in managing overwhelming debt through professional, ethical, and fully compliant debt review, debt consolidation and debt counselling services. Our approach is simple: we consolidate your existing debt into one affordable monthly repayment while negotiating with creditors to reduce interest rates and protect you from legal action. This structured process not only relieves financial pressure but also creates a clear, realistic path to becoming debt-free. At Zero Debt, we understand that financial stress can feel overwhelming. That is why our experienced consultants provide personalised support every step of the way - ensuring transparency, clear communication, and solutions tailored to your unique situation. We are committed to delivering real results, not quick fixes. Our focus is on sustainable financial recovery, helping you rebuild your financial future with confidence and peace of mind. If you are struggling with debt, Zero Debt offers a safe, regulated and effective solution to help you take back control and move forward with confidence.


Contact info

4.2

Great

TrustScore 4 out of 5

7 reviews

5-star
4-star
3-star
2-star
1-star

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Rated 5 out of 5 stars

Freedom

Iyoooo being in debt review it's not an easy thing, one just need to commit and one has to think of positive end results.
I would like to warmly thank Dorcas Ndlovu, who helped me with the whole process and she was transparent and honest about debt review, that the first few months I might not see progress but I should at least give it 6 to a year but by the 4th month I started seeing progress. and decided to stay, also highlighting that might be people who will try to talk me out of Dr but I must not lose focus, as at the end of the day it's about me.

Today I am 100% debt free, financially stable and in control. I have learned a lot, debt life is prison trying dodging/avoiding all those calls from creditors, making up stories of why you failed to pay or missed payment. Thanks to Zero DR I am officially free from that.

Deep warm thank you also to Jacky Lakay assisting with follow ups to make sure the red flag is indeed removed.

I believe and hope one day more education about debt review (DR) will be put out the, as the is so much misinformation and misconceptions about the whole thing, alerting and educating people about scam debt review companies and scammers telling you to pay certain amount for red flag to be removed within 12 to 24hrs.

Above everything from the bottom of my heart thank you to all the staff at Zero Debt Review.

March 4, 2026
Unprompted review
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Reply from Zerodebt

Refilwe, thank you so much for your heartfelt feedback. We are so glad that Dorcas and Jacky were able to assist you and that you received your clearance certificate and are now debt-free. Debt Review is a great help to South Africans who are finding themselves paying too much towards their debt each month. Congratulations on completing your debt review and reaping the benefits now! The Zero Debt Team.

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Rated 5 out of 5 stars

Debt-Free and Back in Control

Zero Debt has truly transformed my financial journey. When I started, I was overwhelmed and struggling to manage my debt, but their team provided structured support, clear guidance, and a disciplined approach to debt restructuring.

The process itself was not easy—it required commitment, patience, and strict financial discipline. However, the Zero Debt team walked the journey with me every step of the way, ensuring I stayed on track and understood the long-term value of the process.

Today, I am completely debt-free, financially stable, and in full control of my finances. I’ve even been able to achieve milestones I once thought were out of reach, including purchasing a home and managing my money with confidence.

If you are serious about taking control of your finances and are willing to commit to the process, Zero Debt is a partner you can trust. The journey may be challenging, but the outcome is absolutely worth it

July 31, 2025
Unprompted review
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Reply from Zerodebt

Terry, thank you for your heartfelt feedback. The debt review process can be challenging, but the dedication and patience you put into it will pay off in the long run. Congratulations on staying on track and receiving your clearance certificate! You are officially debt-free today! We appreciate your vote of confidence.

Warm regards,
The Zero Debt Team..

Rated 5 out of 5 stars

Outstanding Service from ZeroDebt

Rating: ⭐⭐⭐⭐⭐

I am very grateful to ZeroDebt for helping me obtain my clearance certificate. A special thank you goes to Jacky Lakay, who I believe is a team leader. Jacky made sure my certificate was sent to all the credit bureaus and kept following up until my name was completely cleared. I truly appreciated the dedication and persistence—she didn’t stop until my record was clean.

Thanks to her efforts, I now have peace of mind knowing my name is no longer flagged. ZeroDebt delivered on their promise, and Jacky’s commitment made the whole process much smoother. Highly recommended!

March 30, 2026
Unprompted review
Zerodebt logo

Reply from Zerodebt

Ruth, thank you so much for your feedback. Zero Debt is dedicated to helping all our clients through the debt consolidation process, securing their clearances, and achieving debt freedom. We are glad Jacky was such a help to you! Warm Regards, The Zero Debt Team.

Rated 4 out of 5 stars

Great customer service would like to…

Great customer service would like to thanks Jamiela who was helping me thrrough this journey keep up the good work 10/10.

March 30, 2026
Unprompted review
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Reply from Zerodebt

Thank you, Jonathan, for your 4-star review. We are glad that Jamiela was such a help to you during your debt counselling journey. Today, you are debt-free! Warm regards, The Zero Debt Team.

Rated 5 out of 5 stars

Zerodebt helped me so fast and…

Zerodebt helped me so fast and professional. I was out of debt rewiew under 2years and reffered my friends who are also very satisfied.

March 31, 2025
Unprompted review
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Reply from Zerodebt

Gigi, thank you so much for your 5-star review. Congratulations on completing the debt review process in under 2 years; that takes dedication. Well done! Warm Regards, The Zero Debt Team.

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Rated 5 out of 5 stars

Zerodebt has been life safers as I got…

Zerodebt has been life safers as I got myself into debt by not using the right mindset. Also recommended them to a few friends already who they helped

March 30, 2026
Unprompted review
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Reply from Zerodebt

Yaghya, thank you so much for your feedback. We appreciate the time taken. Congratulations on completing the debt review process and receiving your clearance certificate! Warm Regards, The Zero Debt Team.

Rated 5 out of 5 stars

Thanks ZeroDebt

Thanks ZeroDebt. You are the best!

February 6, 2026
Unprompted review
Zerodebt logo

Reply from Zerodebt

Thank you for your 5-star review, Daniel. Debt Review is a regulated process that helps South Africans gain control of their finances in a structured manner, providing them with a clear path forward. Warm regards, The Zero Debt Team.

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