The fact that South Africa is declared as the country that is most over-indebted in the world has a direct impact on work life and social development. We are the country with the largest increase of unsecured debt, with most expensive credit life insurance and service fees in the world. On average about 89% of monthly Nett salary earned by the middle-income group is paid towards servicing debt.

The increase of pay-day loans is of major concern, and on average one household have opted 7-8 times a year for such a loan which can vary to over 50% of Nett income. It leaves the consumer with no other alternative but to apply for another pay-day loan just to service the debt obligations. Another problem that is affecting over-indebted consumers are the large amounts of vehicle owners pawning their cars for cash, not understanding the implication of such a loan and the risk of losing that asset. This again shows the desperateness of the consumer to pay debt and put food on the table.



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Financial problems can happen to anyone – debt does not discriminate. Consumers from all walks of life face debt on various credit agreements. Debt review assessment IS THE BEST step you can take in time of crisis to ensure household cash flow to cover your month to month running expenses. We assess what you can afford to pay creditors. You are not alone – 800000+ consumers have entered the program to survive tough economic times. Debt review is so successful, over 124000 consumers national exited debt restructuring with a clearance certificate. Learn More…


Why Choose Consumer Debt Support

Pay One Reduced Monthly Payment to a Registered PDA

Have more take home pay for your monthly living expenses.

Expert Legal advice and Protection against creditors taking legal action

We Are the best at what we do, and we care for our Clients

Contact us Today for your Debt Assessment

Pay ONE affordable reduced monthly DEBT repayment.


Step 1

Complete our application documentation OR we do a telephonic assessment.

Step 2

We will Calculate what you can afford to pay on debt every month.

Step 3

We will administer and negotiate with your Creditors on your behalf.

Step 4

We restructure an affordable payment plan. You make ONE affordable payment every month.

Step 5

We’re required to engage with our specialist attorneys to enforce your new restructured payment.

My husband and I applied for debt review in October 2014.  Very sceptical at first because of the negative side of it  but decided that is was the only way for us to be able to cope with our finances.
I made an appointment with Annienne, and I can honestly say that from the moment that I spoke to her on the phone she has been nothing but friendly and helpful. When we went to see her her calm demeanour immediately put us at ease, she made us feel positive about the decision we were about to make. She even gave me a hug as she could probably sense how tense and stressed i was. This just made me feel positive about her and i knew that she was the right person for the job.
Its been a year now and all I can say is that we have received excellent service from her. I have asked her numerous times to help me with a query from my debt collectors, she has ALWAYS responded immediately and sorted my problem giving the necessary feedback as well.
I will definetely recommend her to anyone who wants to apply for debt counselling. She is competent, friendly and extremely helpfull. She takes pride in what she does and does it well.
Testimony from Client in Zevenwacht

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Consumer Debt Support (CDS) want to wish all a good Human Rights Day. We remember the sacrifices that was made for equality and those who lost their lives in the struggles to freedom. May we continue to build a better South Africa.
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In this week's blog, Consumer Debt Support (CDS) is an educational awareness editorial for consumers. We hope this week's blog sheds more light on what to expect when visiting the offices of a registered Debt Counselor. We would love to hear your views of this week's blog, please share your input here.

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Affordable payments to your creditors
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#Tip Wednesday

Managing debt repayments when struggling with financial stress becoming an endless difficult challenge? Consumer Debt Support (CDS) can help with an easy debt review assessment to reduce debt payments, into one affordable payment plan. Visit our website: and one of our experienced agents will contact you.

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Consumer Debt Support (CDS) share some tips on Budget meals this Autumn. Keep your family warm with this great recipe. Easy to prepare and wholesome for the body, mind and togetherness of your family. Make new memories with your loved ones, with love from the founder of CDS Annienne Nel.

6 cups roasted butternut squash (from 2 medium-large butternut squash)
3 Tbsp butter
1/2 cup diced onion
4 cups chicken broth
1 sprig thyme
1/3 cup real maple syrup
2/3 cup heavy (35%) cream
1/2 medium apple (Optional) peeled, cored and shredded
Imperial - Metric

Roast the squash (can do ahead and refrigerate): Preheat oven to 375° Cut squash in half lengthwise. Using a spoon, scoop out and discard the seeds and dark orange stringy flesh. Place squash cut side down on to a baking sheet. Note that you want the squash to lay perfectly flat, so you can get some caramelizing going for best flavor. If they won't all lay flat, use two baking sheets if necessary and rotate their position in the oven half way through roasting. Roast in pre-heated oven for 60-70 minutes or until very soft when you press on the top of the squash.

Remove from oven and using a spatula, flip the squash halves over and allow to cool a few minutes. Using a spoon, scoop all the roasted squash flesh out and in to a bowl, being careful not to take any of the skin. Discard squash skins. If making the soup immediately, measure out the amount of cooked squash needed for the soup and set aside. Any extra squash can be refrigerated or frozen and used for another purpose.

For the soup: In a large soup pot or Dutch oven, melt butter over medium heat. Add diced onion and cook, stirring, until onion has softened and is translucent, but not browned. Add the measured roasted squash. Add the chicken broth and stir to combine well. *If using the optional shredded apple, add it now as well. Add the fresh thyme sprig. Bring to a light boil over medium-high heat, stirring occasionally, then reduce heat to medium-low and allow to simmer, uncovered, for 20-30 minutes to blend the flavors.

REMOVE THYME SPRIG and discard. Using an immersion blender (or alternately in small batches in a blender) puree the soup well until smooth. In the soup pot, add the maple syrup and the heavy cream to the pureed soup. Stir well to combine and allow to cook over medium-low heat a few minutes to warm through.

Taste soup. Add salt as needed and some freshly ground pepper. You don't want to be skimpy with the salt! Salting well is the key to bringing out all the great flavors in this soup. Maple syrups vary in intensity. If you don't notice a subtle maple taste in the soup, add a bit more maple syrup, as needed. Serve warm garnished with drops of heavy cream and fresh thyme leaves. If you like, use a skewer to run through the drops of cream to make a pretty design.

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