Live debt free with the National Debt Mediation Assosiation
National Debt Mediation Association (NDMA) is a registered NPO, and we aim to contribute to the healthy use of credit in today’s society.
This is backed by our effective and cost-efficient debt relief solutions, as well as remedies for consumers who are experiencing financial hardship.
- We aim to empower our consumers by providing them with the information and guidance that goes with managing credit and over-indebtedness.
- We strive to continually provide successful debt relief solutions to consumers who are experiencing financial woe month to month and are struggling with the financial commitments or are under threat of legal action by their creditors.
- We wish to assist employers in effectively implementing lasting programs that manage over-indebtedness in the workplace.
- Our hope is to establish partnerships with various organizations, government and media in order to successfully implement education and related programs.
- We will contribute to any changes in policy and legislation by way of case analysis.
- We will at all times subscribe to and practice the values of responsible lending conduct and fairness through empathy to our consumers.
We are here to help you
When you have a large amount of debt, it can be stressful and have legal implications. We are here to assist you in becoming blacklisted.
Our legal team can assist you with any legal issues as a result of your debt but we do not directly offer debt consolidation loans. We aim to empower our clients with information and help you manage your finances better.
You will enjoy the benefits we offer
You will benefit from our experienced, qualified debt counsellors. We have established great relationships with creditors and legal practitioners in the financial industry. This gives us an effective negotiating power and we can guarantee that we will get the best payment options for you.
Efficient and reliable staff
With us, you will have experienced employees helping you with your debt counselling. We are registered with the National Credit Regulating board, and we have the experience in communicating with your creditors on your behalf.
We build long-term relationships
We aim to build long-term relationships with our customers. We are one of the biggest debt counselling agencies in South Africa and also pride ourselves on our reliability as a long-term partner. Your debt counsellor will assist you throughout your term with us. We strive to help every client individually produce positive results through a restructured budget and smaller monthly instalments on personal loans and credit.
National Debt Mediation Association Debt counsellor
- Loan Type Debt review
Benefits of National Debt Mediation Association
- Provision of debt remedy
- Qualified debt counsellors
National Debt Mediation Association – you can become debt free
Once you have applied for a debt review, a debt counsellor is appointed to you and will inform all credit providers and credit bureaus of the application within 5 business days upon accepting the application.
The credit provider is then required to provide a Certificate of Balance (COB), providing the debt counsellor with account details illustrating debt for the assessment. This information assists the debt counsellor to perform an affordability assessment, and thereafter provide an accurate result as to whether the consumer is over-indebted and qualifies for debt counselling.
Let our experienced team help you
Our highly qualified team of debt counsellors is experienced in mediation and the training of expertly managing your financial situation, and with your consent tailoring a suitable solution. If you are over-indebted, we can assist you with going through the various legal and debt management solutions on offer, with the aim of determining which one suits your particular situation best.
Not only do we assist where needed, we also offer self-help tools for consumers to use when assessing their financial situation. This means that where possible and with efficiently managed budgets and lifestyle changes, our clients can rehabilitate themselves. We know it's easy to complete various online loan applications and get further into debt but advise that all customers refrain from taking on more debt during the process.
We provide independent solutions that are geared towards assisting you to become debt free or otherwise manage your debt properly. We also offer consumers advice on all credit related matters, including referrals to appropriate channels where you can receive assistance where the NDMA has no jurisdiction.
How do I qualify?
The debt counsellor will conduct an assessment in accordance with the NCA regulations when determining if the consumer is over-indebted. It also helps determine the amount available to repay debt. Once declared over-indebted, the process will begin with payment proposals being issued to all creditors and the consolidated debt payment plan is bestowed on the consumer. A negotiated term and rate is fought for on your behalf by our reliable debt counsellors, ensuring that you have the best deal possible when it comes to your budget requirements.
Once all is in order, you will be obligated to pay one smaller instalment month to month until such time that the entire debt is settled.
Clearance certificate issued
You will receive a clearance certificate at the end of your term that you can give to your creditors in order for your name to become clear from the credit listings.
Join us today at the National Debt Mediation Association and let us help you get your financial freedom back.
Customer Reviews & Testimonials
If it weren’t for the financial assistance I got from the National Debt Mediation Association, I would still be trying to figure out how to get my finances in order.
— Cape Town —
I would like to applaud the National Debt Mediation Association for going out of their way to ensure that customers get credit offers they can afford.
— Durban —
Applying for a loan at National Debt Mediation Association was fast, easy and convenient. It only took me 10 minutes to complete.
— Scottsburg —