Whether you’re facing repossession, struggling to keep up with monthly repayments, ready to exit debt review, or dealing with a blacklisting that’s holding you back, we’ve got a legal, structured way through it. Here’s how we help, step by step.
If you've fallen behind and a creditor is threatening to repossess your car or your home, this is often the most urgent call to make. We step in to help halt that process legally, giving you the protection and time you need while we work out a proper repayment plan.
When your monthly repayments no longer match what you actually earn, debt review restructures your debt into a single, affordable instalment — legally protecting you from creditors and repossession while you pay it off.
Once you've settled your debt or your circumstances have changed, we handle the formal process of exiting debt review and getting that flag removed from your profile — properly, and in line with the law.
A blacklisting or judgement on your credit record can follow you for years, blocking loans, accounts, even job applications. We help you work through the process of getting these cleared, so your record actually reflects where you stand today.
Debt review isn’t a single product — it’s a process, and depending on where you are in your financial journey, you might need a different part of it. Here’s how we can help, from the moment things feel unmanageable to the day you’re finally clear again.
If your debt has become unmanageable, debt review is a legal process that reduces your monthly instalments, consolidates everything into one affordable payment, and protects you from having your car or home repossessed while you’re under review.
Part of this process includes negotiating directly with your credit providers on your behalf, and helping you draw up a realistic monthly budget you can actually stick to. You’re not just handed a lower instalment — you’re given a plan that’s built around what you genuinely earn and spend.
This is often the first step for clients who are behind, falling behind, or simply drowning under the current repayment structure.
Once your accounts under review are settled, or if you’ve entered debt review and it no longer serves you, we help you exit the process properly. This is sometimes marketed under our Mohau Credit Clear service — “Start all over with us.”
This is the step that turns “I’m managing my debt” into “I’m actually done with it.”
Debt review isn’t a once-off form you sign and forget. Over the course of your review, we stay involved — negotiating with credit providers on your behalf, keeping your budget realistic as your circumstances change, and making sure you understand exactly where you stand at every stage. You’re not left to interpret legal letters on your own.
Not sure which stage applies to you? That’s exactly what the free assessment is for. Tell us where you’re at, and we’ll tell you honestly what your options look like.
Debt doesn’t get lighter by ignoring it. The first step is a conversation – confidential, no judgement, no obligation.
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