Alliance Debt Counsellors

19/10/2026

“When finances are organised, life feels lighter.”
Order matters.

18/10/2026

Confused about Form 19 and debt review clearance?

Ask your debt counsellor:
• Which lawful clearance requirements apply to my situation?
• Has the certificate been issued and submitted through the required process?
• What confirmation should I receive, and what should I do if my credit record is still incorrect?

Issuing a certificate, submitting it and confirming acceptance are different stages. Do not assume a credit application will be approved or that an online promise of instant removal applies to you.

Read Alliance’s existing clearance guide: https://adc.org.za/clearance-certificate/

Debt review is a regulated restructuring process, not a loan. Outcomes depend on individual circumstances and creditor or court approval.

Illustrative AI-generated scene; no client records are shown.

17/10/2026

Thinking about changing debt counsellors? Start by asking what the transfer involves.

Confirm the receiving counsellor’s registration, how your existing records will be handed over, and who will communicate with credit providers and your payment distribution agent.

A transfer does not itself cancel your debts, end debt review or change an existing court order. Ask for clear written confirmation of the arrangements that apply to your matter.

Read about the debt review process: https://adc.org.za/debt-review/
To ask Alliance a question: https://adc.org.za/contact/

Debt review is a regulated restructuring process, not a loan. Outcomes depend on individual circumstances and creditor or court approval.

Illustrative AI-generated consultation setting; this is not a photograph of Alliance premises.

15/10/2026

Has your income changed while you are under debt review?

Tell your debt counsellor what has changed and when. Ask what updated income, expense or employment information they need, how any proposal will be considered, and what to do while it is being reviewed.

A request does not automatically change your agreed payments or a court order. Avoid assuming a payment break or reduced instalment has been approved.

Want to discuss your next step? Contact Alliance: https://adc.org.za/contact/

Debt review is a regulated restructuring process, not a loan. Outcomes depend on individual circumstances and creditor or court approval.

Illustrative AI-generated scene; no client records are shown.

14/10/2026

THINK DEBT COUNSELLING MEANS YOUR DEBT GETS WRITTEN OFF? THINK AGAIN!

There's a lot of misinformation about debt counselling, and believing the wrong things could stop you from exploring a solution that may help.

❌ MYTH: Debt counselling is a quick loan or a way to make your debt disappear.

✅ FACT: Debt counselling is a regulated process designed to help qualifying over-indebted South Africans restructure their repayments and work towards settling their debt.

💙 It's not about quick fixes.
💚 It's about a structured plan, manageable repayments and professional guidance.

Swipe through to separate the MYTHS from the FACTS!

Not sure if debt counselling is right for you? Let's talk about your options.

WhatsApp us on +27 71 289 6068 to find out how the process works.

Alliance Debt Counsellors
NCR Registered – NCRDC1593

13/10/2026

12/10/2026

“The strongest move is choosing stability.”
Calm is powerful.

09/10/2026

Before taking another loan, take a closer look at your monthly finances.

When repayments are already difficult to manage, taking on additional credit can add even more financial pressure.

A clearer financial picture starts with 3 simple steps:

💙 1. List your income – Include your salary, allowances and any additional income.

💚 2. Identify your essential expenses – Consider your rent, groceries, utilities, transport and other monthly necessities.

🩶 3. Review your existing repayments – Include loans, credit cards, store accounts and other financial commitments.

Understanding where your money goes each month can help you make more informed financial decisions.

👉 Swipe through for a simple guide to getting started.

Feeling overwhelmed by repayments? Speak to a registered Alliance Debt Counsellor about your options.

WhatsApp: +27 71 289 6068

NCR Registered – NCRDC1593

07/10/2026

What happens when you ask for a debt review assessment? 💙
It starts with understanding your financial position.
An Alliance Debt Counsellor will assess your income, expenses and existing credit commitments to help determine whether debt counselling may be appropriate for your situation. From there, the process and possible next steps can be explained clearly, so you can make an informed decision.
Want to understand your options?
Ask Alliance Debt Counsellors about an assessment.
WhatsApp: +27 71 289 6068
NCR Registered – NCRDC1593