Z-Fin is a fully licensed financial Debt Review Counselling and Debt Removal Business.

Take Your Life Back Today

Get a court order in YOUR favour

Put a stop to creditors harassing you

Put more money in your pocket every month

Become Debt Free

Financial Freedom is a Right

You are protected by law

Are you suffocating as interest rates and the cost of daily living rises?

The reality is, you need to put food on the table, educate your kids, and keep a roof over your head. But while you have been working hard to provide for you and your family, the world has changed around you. And not in a good way.

It is no wonder then, that managing your bond, vehicle finance and other loans is being crippled by things outside your control:

  • The Increased cost of living
  • Interest rate hikes
  • Bond instalment increases
  • An unstable electricity supply
  • As well as insane interest rates on some loans

This is not your fault. There is a solution.

In South Africa, the National Credit Act came out in 2005 and debt counselling came into being in 2007. This was to protect you from financial burdens not caused by you, to make sure you don’t default on your debt, possibly leading to the loss of crucial assets.

You may have made some cuts in your expenses, or made lifestyle changes, but you are still gaining no ground on your debt. All the while your quality of life continues to get worse.

You are not alone. Many of us need some help in these times. Today, you can seek assistance from a registered debt counsellor.

  • Feel secure with a court order in YOUR favour.
  • Get protection against further legal action.
  • Protect yourself, your family, your health, and your assets.
  • Receive a registered, dedicated debt counsellor who cares.
  • One point of contact for everything.
  • The work is done for you by certified, experienced professionals.
  • Stop paying ridiculous interest rates.
  • Stop creditors harassing you.
  • Put more money in your pocket.
  • Become Debt Free

Frequently Asked Questions

What is Debt Review?

Debt review, also known as debt counselling, is a debt relief measure in South Africa that helps over-indebted consumers get out of debt. The National Credit Act (NCA) introduced the process in 2007 to prevent over-indebted consumers from being blacklisted and having to deal with the consequences.


Debt review has become a lifeline for many South Africans who are struggling to make ends meet because of unmanageable debt.


The National Credit Regulator (NCR) has provided guidelines for debt counsellors to follow when assessing whether a consumer is over-indebted and eligible for debt review. These guidelines take into account the consumer’s income, expenses, and debt obligations to determine whether they have sufficient funds to cover their living expenses while also servicing their debt.

When should I consider Debt Counselling?

When you find yourself in a position where your expenses exceed your income. This is a simplistic answer, but the truth is, we can’t predict the future. If you are in a position where you are taking more and more credit with no clear end in sight, it may be time to contact a debt counsellor.

Or at the very least do this now so you are aware of your options should it come to that.

Debt Counselling is a government program created to assist the public when times are hard. This doesn’t mean you need to be placed in debt review the moment you find yourself struggling financially, but it is a good idea to be informed of your rights and what can be done if your situation worsens.

If you think that it is time to seek help, or you have received a notice of repossession do not wait.
Click the Call Me Button on this page.

We’ll assign a professional debt counsellor to you immediately.

When is it too late to go onto debt review?

When you receive a court order to repossess.


The consequences of repossession are far reaching on your financial future so it is important to take action before this happens.


You will receive a Section 129 letter from your creditor. This letter is sent to a consumer when the consumer is in default of the credit agreement, and the consumer has failed to make an arrangement to settle the arrears.

You will have 10 days to respond, and this can be a scary thing. But here is the good news:


Your debt counsellor will respond to the letter with an intention to review. From this point on you are protected by law. Debt counselling, or debt review under the National Credit Act means that you are taking action under the assistance and advice of registered professionals in the field who’ll take care of the matter on your behalf.

How does Debt Review work?

Step 1. Contact a registered Debt Counsellor to guide you through the process.

Step 2. Complete a debt assessment and provide us with the details of your financial situation.
Step 3. Your Debt Counsellor determines whether your monthly expenses and debt exceed your monthly income.

Step 4. We’ll inform all your Credit Providers and the Credit Bureaus that you are under Debt Review.

Step 5. We’ll restructure your payment plan and negotiate with your Credit Providers.

Step 6. Our specialist attorneys will apply at the court to make your restructured payment plan a court order.

While undergoing Debt Counselling, you will be protected against legal action taken by your Credit Providers and only have to pay one monthly, affordable reduced payment, leaving you with enough money for your monthly expenses

Any other questions?

There is a lot to discuss when it comes to Debt review. We could put it all here, but you would probably be overwhelmed.

That is why our Government has people like us who are registered and certified as professionals in our field to guide you every step of the way.

Give us a call, so we can talk you through your problem.

What do I do next?

Our debt counsellors are on hand to listen and advise on a way forward for your situation.
We care and want the best for all our clients, and anyone in South Africa who finds themselves struggling to make ends meet.
You can reach us directly at 021 745 4819, or simply click on the callback button for us to give you a call back.

Don't hesitate. Get in touch today. Let us help you with your burden.