Lower Monthly Instalments
SDC restructures debt so that repayments fit your income and essentials come first.
Asset Protection
Stop escalating collections pressure and protect vehicles and homes through a lawful process.
One Payment
A single consolidated debit order replaces multiple creditor deductions.
Who SDC Helps
- Salaried or self-employed consumers with mounting shortfalls.
- Households juggling loans, credit cards, store accounts, or arrears.
- Consumers facing collections calls, threats of legal action, or default.
Why Choose SDC
Experienced counsellors, transparent fees, and a clear roadmap. You stay in control with a plan tailored to Port Elizabeth residents' cost-of-living realities.
From application to court order, SDC handles the admin and negotiations so you can focus on income and essentials.
How the Process Works
1
Assessment
Share income and expenses. If you are over-indebted, SDC recommends a structured plan.
2
Proposal
SDC drafts affordable instalments and negotiates with your credit providers.
3
Protection
Once in process, collections pressure is addressed and payments go through a registered PDA.
4
Court Order
A magistrate confirms your restructured plan. You pay one consolidated amount monthly.
Note: Debt counselling is a formal process governed by South African law. Qualification depends on an affordability assessment and over-indebtedness status.
Local Focus • Port Elizabeth
SDC understands the rhythms of the Bay: fuel, food, transport, rent, and how they affect take-home pay. Plans are built to keep essentials covered while you settle debt.