Debt Counselling Scams: How to Check a Debt Counsellor in South Africa

Why registration matters

Debt counselling is a regulated process. Before sharing ID documents, statements or banking information, confirm who you are dealing with and how registered professionals are involved.

How to verify

Ask for the debt counsellor's full name and NCRDC registration number. Search the official NCR register and check that the details match what you were given.

Red flags

• Guaranteed debt cancellation or guaranteed approval.
• Pressure to sign immediately.
• No clear legal name or registration route.
• Requests for banking passwords or one-time PINs.
• Confusing loan advertising with debt-counselling paperwork.

Questions to ask

• Who will assess my file?
• What fees apply and when?
• What happens to my ability to take new credit?
• How will my documents be protected?

Consolidation Relief works with registered professionals and focuses on helping you understand the correct route before you commit.