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Debtfree Magazine is South Africa's Premier Resource for Debt Counselling information and news.

Debtfree Magazine is produced digitally each month and is distributed to Debt Counsellors, Credit Providers and subscribers country-wide. If you would like to stay current with developments in the world of Debt Counselling then this is the publication for you.

Visit : for more info.

Mail the word :"Subscribe" to to receive access to Debtfree Magazine free each month.

The Latest Debtfree DIGI

Thursday, October 18, 2012

Tuesday, September 25, 2012

The Sept 2012 issue of Debtfree DIGI is now out

Read it here or at our home site at where you can also get daily industry news.

We hope you enjoy it.

Thursday, August 30, 2012

NCR stops VDMS

The latest news about VDMS here:

The NCR have told all parties involved in voluntary debt mediation ( VDMS ) to stop work on the process at once. read more at Debtfree DIGI's home site

Sunday, August 19, 2012

The August Debtfree DIG magazine is out

Read the August 2012 issue on our website now. Or read it right here (above)

The August issue contains: 

Are debt review consumers discriminated against?

ABSA sell a consumers house on auction for only R1000- Crazy!

What’s happening with Voluntary Debt Mediation?

Need to not Speed (consumer advice)

Paying the VAT man late (how to do it and what it will cost you)

Info on the new Debt Counselling Union

And News, News, News and more news phew so much news!!!

Monday, July 23, 2012

July 2012 issue of Debtfree DIGI

If you have not been to our new home site of then you are behind the times and probably have not read this month's Debtfree DIGI magazine (for free).

Please feel free to visit the site can just read it above.

Remember that has daily industry related news and stories.

Sunday, July 1, 2012

NDMA's Voluntary Debt Review project put on hold

Visit  to see why the National Credit Regulator have put the "debt review - like"  VDMS project on hold.

Thursday, June 21, 2012

The June 2012 cover of Debtfree DIGI

Here is a look at the June 2012 5 years of Debt Review cover

You can read the magazine online for free at

Thursday, May 24, 2012

Debtfree DIGI May 2012 - cover

The May 2012 issue of Debtfree DIGI's cover.
Visit for more details and articles on debt review, debt counselling industry developments and info on VDMS - the voluntary debt mediation system.

Sunday, May 20, 2012

May 2012 issue of Debtfree out this week

Keep your eyes open this week for the New Debtfree DIGI.
You can visit  to read it on the magazines home site or you can read it above.

The issue has info about using attorneys for the debt review process at court as well as news and advice for consumers.

Monday, May 14, 2012

Debtfree DIGI magazine to also cover VDMS

VDMS or Voluntary Debt Mediation Solution is the new hot term in the industry right now.
Be sure to read the May 2012 issue of Debtfree DIGI at for more details about what this portends for debt review in SA.

Saturday, April 21, 2012

Debtfree DIGI April 2012 is out at

The April 2012 issue of Debtfree DIGI is out and available to read right now at our home site:

(or you can just click on the picture of the magazine above)

The Good, the Bad and the Wacky:
We have lots of news stories for you as well as some funny stories about debt review.
If you enjoy a good joke (or bad one) read our article about how our industry needs it's own jokes (we even had some submissions from readers)
You can even contribute by commenting on our DC Jokes page HERE - the more suggestions the better you funny guy!

Consumer Protection Act
If you are interested in the Consumer Protection Act (which is one year old this month) then read the 4th instalment in our CPA series (just before the Service Directory)

There are many other goodies in this months issue as well that we haven't mentioned. So click on the picture of the Magazine above and enjoy.

Do You hate waiting?
Depending on the speed of your internet connection you will have to wait a few seconds for the pages to load up.
The faster your internet connection and computer the faster it will go.
If you hate waiting then click on the mag and let it open up while you make a quick cup of tea and then sit back and enjoy a good read.

Thursday, March 29, 2012

 Did you know has daily news and stories about debt review.

Want to know what the NCR is up to and how they are cracking down on naughty credit providers?

Want to know how you can join the Alliance of Professional Debt Counsellors?

Did you Know DC Partners PDA has been having telephone problems?

Well you can find out about these and other stories on  right now.

You can even follow us on Twitter for news as it happens.

So come visit and keep up to date with the world of debt counselling.

Tuesday, March 20, 2012

The March 2012 Issue of Debtfree DIGI is out

If you would like to read the latest issue of Debtfree DIGI then head over to:

Or... you can read it above if you want. has daily news though...and other useful features like downloads and info all about debt review and debt counselling too.

Wednesday, February 29, 2012

Want updated debt review or debt counselling news daily?

Then head over to our website 
You can not only read the new issue of Debtfree DIGI online for free but you can also read news articles and advice from industry experts daily.

Tuesday, February 21, 2012

Feb 2012 Debtfree DIGI - Debt Counselling Industry Magazine is now available

The Feb issue is out. The issue contains info about the Section 129 Matter before the Constitutional Court and why it doesn't really matter...or why it could. It also has a stack of debt counselling industry news about the latest naughty tactics by some banks.

We hope you enjoy it.

Head over to our magazine home site to read more about debt review or read the magazine right here (above).

Thursday, February 16, 2012

Get Debtfree DIGI news daily about the debt counselling industry

If you are desperate to find out all about debt review and what's going on with Sebola v Std at the Constitutional Court re: Section 129 matters...and other interesting stuff then head over to (our home site) and read about all these stories and more right now.

Wednesday, January 25, 2012

Jan Debtfree DIGI interview with Grace Nkomo of ABSA

The Jan 2012 issue of Debtfree DIGI features an interview with Grace Nkomo of ABSA.
For more news and articles head to
or you can read the magazine (above) right here.

Monday, January 23, 2012

The Jan 2012 issue is out

If you would like to read not only the latest issue of Debtfree DIGI but also daily articles and news then head over to 

or you can read it above...but then you will miss out on all the extras at our new home site.

Wednesday, January 11, 2012

Head to and read articles like this:

The NCR have offered the following thoughts on being cautious when borrowing money:

Although interest rates have come down over the past few years, an alarming number of consumers are still battling to pay off their debts. The National Credit Regulator (NCR) warns that of 19, 10 million credit-active consumers, 8, 83 million consumers had impaired records as at the end of September 2011. These are consumers that are three or more payments or months in arrears on their debt repayments.
“Before consumers sign credit agreements, they need to understand the cost of credit and the terms and conditions of different credit agreements,” says Manager of Statistics at the NCR, Rajeen Devpruth.
He says consumers should take into account all debt, including store and credit cards as well as personal loans and other commitments. “Plan to pay off as much debt as possible before taking on more credit,” says Devpruth. “Most importantly, stick to and honour your credit agreement and repayments.”
The National Credit Act (NCA) aims to regulate the credit industry, curb reckless lending and ensure that consumers are protected from harmful lending business practices. But Devpruth says consumers should also take responsibility for the amount of debt they take on. “After taking all your debt into account, including your home loan, car repayments, store and credit cards, make sure you can really afford to take on extra debt,” he adds.

According to the NCA, before credit providers extend credit to consumers, they are required to conduct an affordability assessment to assess:
o the consumer’s general understanding and appreciation of the risks and costs of the proposed credit;
o the rights and obligations of a consumer under the credit agreement;
o debt repayment history as a consumer under credit agreements;
o the consumer’s existing financial means, prospects and obligations.

Under the NCA, it is your right as a consumer to be given a pre-agreement statement and quotation when seeking credit”, says Devpruth. “These will outline the terms and conditions of the proposed agreement and all costs involved such as cost of credit, interest, service fees, initiation fees, credit insurance if there is any, deposit required if there is, number of instalments, date of first instalment, date of last instalment, etc”.
“This means that you will know what is expected of you prior to signing the credit agreement,” explains Devpruth. “You should be aware of the cost of credit and the terms and conditions of the agreement before signing the actual credit agreement so there shouldn’t be any surprises in future. If there is anything you don’t understand, seek assistance before you commit yourself.”

Never sign a blank credit agreement as you won’t have control over other information added after you sign”, advises Devpruth.
Devpruth warns consumers to investigate what interest rates will be charged, but also all other charges that will be added. For example, when taking out an unsecured credit which consists mainly of personal loans, the credit provider can charge maximum interest of up to 32.1%. “However, as a consumer you can negotiate the interest when you get the pre-agreement statement and quotation. You can use these to shop around for better deals and remember to only borrow from a reputable credit provider”, advises Devpruth.

Devpruth also advises that consumers should aim to pay off their debt and build up savings over the longer term.

For other such articles head over to:

Monday, January 9, 2012

Debt Counsellors are busy this Jan 2012

Debt Busters and Credit Matters were recently mentioned in the press in stories about how debt counselling inquiries are high for the month of Jan 2012 so far.
To read more head over to our new home site at