When Your Finances Are Not All Smooth Sailing,
Let Us Be Your Anchor
NCR registered debt counselling and debt review services designed to help you lower monthly payments, protect your assets, and regain long term financial freedom.
When debt feels overwhelming, it can be difficult to navigate the next step. LC Debt Counsellors offers more than 8 years of experience in the financial and debt counselling industry. We help over indebted South Africans consolidate their debt into one affordable monthly instalment, negotiate more manageable terms with creditors, and move toward a future that feels secure and financially stable.
Our Trust Badges
Sail Toward Financial Freedom
Debt counselling is a safe and regulated process that helps over indebted consumers regain control of their finances. Through the NCR approved debt review process, LC Debt Counsellors works with you to reduce monthly instalments, protect your assets from legal action or repossession, and support you as you rebuild long term financial stability.
We take great pride in being a financial anchor to individuals and families who need guidance, honesty, and practical support during a stressful time.
Our 6 Anchors to Financial Freedom
Every journey to financial stability needs direction and strong support.
Our process is built around six anchors designed to guide you safely and confidently through debt review.
Free, No Obligation Consultation
Contact us for a free consultation with an NCR registered debt counsellor. We explain the debt review process, answer your questions, and outline a clear path forward based on your circumstances.
Personalised Budget Assessment
We assess your income, essential living expenses, and debt obligations to create a personalised budget that offers financial breathing room and forms the foundation of your repayment plan.
Professional Negotiation With Creditors
We negotiate directly with your creditors to reduce monthly instalments, extend repayment periods, and request lower interest rates where possible. Our goal is to create an affordable and sustainable repayment plan.
One Affordable Monthly Payment
All your restructured debt is consolidated into one affordable monthly instalment, safely managed by an NCR approved Payment Distribution Agency. You receive monthly statements for full transparency and peace of mind.
Court Order Protection
We obtain a court order that formalises your debt review, protects you from legal action or repossession, and prevents creditors from contacting you directly. From this point onward, LC Debt Counsellors manages all communication with your credit providers.
Clearance Certificate and Fresh Start
Once your debts under review are paid up, you will receive an official clearance certificate, and your credit profile will be updated. This marks a new financial beginning and sets the foundation for a stronger financial future.
Who We Are
We believe every South African deserves the opportunity to achieve financial stability and long term peace of mind. Debt counselling is designed to support over indebted consumers through structured budgeting guidance, negotiation with credit providers, and legal protection through the National Credit Act.
At LC Debt Counsellors, we work alongside you with one goal in mind. To help you become debt free, financially secure, and confident in your future. Our team brings expert negotiation skills, practical experience, and a caring approach to every case. You will be supported throughout your entire journey.
Our Promise to You
Great Communication
We value honesty and clarity. You will be kept updated with clear feedback and ongoing support from start to finish, including after care once your process is complete.
Regulated Rates
Debt counsellor fees are regulated by the National Credit Regulator and are included in your affordable repayment plan. Your monthly debt review payment is tailored to your financial situation and outstanding debt.
Focused on Results
We are committed to securing your financial freedom. With more than 15 years of industry experience, we take every step with your long term stability and success in mind.
Visit the National credit regulator’s website for Free guidelines on the program
www.ncr.org.za
Testimonials
We believe in treating every client with respect, care, and professionalism. Here is what some of our clients have shared about their experience with LC Debt Counsellors.
After being retrenched in 2017 I found it hard to meet all my obligations. After recommendation I contacted LC Debt Counselling and what a awesome experience I had. From the first consultation up to the end it was just a breeze. I was supported by Lorinda and not once it was a hassle for her to answer all my questions and queries. The whole process reduced my stress level and for the past 2 to 3 years I can see the results and will never look back again. KUDOS to the whole team. Keep up the good work and I will recommend LC Debt Counselling 100%.
Jurie Scott
They are absolutely professional and supportive in every aspect in dealing with your private matters. Lorinda is such a beautiful and warm person that all my fears disappeared immediately. I would highly recommend her services to anybody who is struggling like I did. For the first time I don’t have to juggle my debts anymore. I can go to bed at night and actually sleep. Thank you LC, you saved me and my kids.
Rickey Wilkins
I want to thank Lorinda for her excellent advice and help. I transferred from another Debt Counsellor to her due to some errors and she sorted it out immediately, her customer care during and after the process is remarkable.
Gerhard Van Staden
Certification and memberships
We are registered with the NCR (NCRDC3196) and a member of DCASA
Ready to Take the First Step Toward Financial Freedom
- 082 824 6186
Whether you are feeling overwhelmed or simply need guidance, we are here to help you navigate your financial journey with confidence. Contact us today for a free, no obligation consultation and let us be your financial anchor.