debt management and  


 A solution for consumers facing challenges with debt, but not yet over-indebted.

Debt management is a debt solution targeted at consumers who are struggling to make monthly debt repayments, but are not yet classified as being over-indebted. Our company can help South Africans organize an affordable, realistic and structured monthly budget and debt management plan. Debt management consists of helping clients, facing financial difficulties, solve their financial problems and empower them to take back control over their financial situation by negotiating with credit providers and initiating a payment plan that suits their pockets. Debt solution will provide consumers with a guideline for erasing and remaining out of debt.

Debt management is when you actively priorities, plan, and control your repayments on various loans, bonds, or other forms of credit. To manage your debt, you’ll always want to follow best practices and avoid taking on too many loans. Here, we’ll run through how you can take proactive steps to become debt-savvy, and what to do if you feel that you’ve borrowed too much.

how can i get out of


Getting out of debt requires patience, discipline, and the willingness to keep on track with your promised repayments. It is the most valuable step you can take to become debt-free is to avoid relying on new credit to repay your existing loans. To become debt-free, there are several steps that you can take such as budgeting, categorising your loans, and re-evaluating your assets to see if there are items you can sell to raise additional cash to make repayments.

How do you know when you need personal financial management assistance? 

If you find that you have multiple outstanding loans, that you are struggling to make repayments on-time, or are borrowing more money to repay an existing loan (called revolving credit), you may be having financial problems.

A good financial/money management road begins reviewing your debt is to list your outstanding loans, retail accounts, or bonds, and list their interest rates from highest to lowest. By prioritising additional repayments to your loans with the highest interest rate, you may be able to save money in the long run by reducing your total outstanding debt.

If you feel that you have too much debt to manage or your finances are too bad, it is worth contacting a registered debt counsellor such as ourselves to review your debt problems. We are a debt reduction company That will be able to assist you in drawing up a revised monthly budget and payment strategy, or, should they see reason for it.

4 ways nokofin can help with debt 


1 - advice

With our NCR registered debt counsellors who are ready to help, your first step to better money management is just a phone call away, we will draft a personal financial management plan for you.


With our debt repayments calculator. We  can easily find out for you how much money you could potentially be saving if you go under debt counseling with Nokofin.


Our Company will  create a debt management plan that will allow you to live your life with ease while continuing to pay your outstanding debts in a single affordable installment.


Nokofin is in the business of making sure that you are able to afford your debt repayments and live comfortably. With  debt reduction option, we will get you the lowest monthly installment by negotiating with your creditors .

About our services

We are specialists in: Cancellation of Debt Review - Debt Mediation - Debt counseling - debt settlement negotiations - Rescission of Magistrate Court Judgments - Rescission of High Court Judgments - Rescission of Administration Orders  - Removal of trace alert listings - Removal of default listings  - Updating of poor payment profile - trace alerts removal - credit score improvements - Early termination of debt counseling.

We are experts in: Credit Repair - National Credit Act(NCA) - National credit regulator(NCR) - Consumer Protection Act - administration - consumer rights - consumer law - consumer complaints

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