I Live in South Africa and I Have Creditors Calling Me Everyday. – Zandile


“Dear Steve,

I’m in round about R40 000.00 of debt altogether, i only earn nett 6800 p/m. i dont know how to get out of this mess. i’ve got creditors phoning me everday, threats of legal action, summons you name it. pls help me. i really am tired of all this.

Is it not late for help?


Dear Zandile,

I doubt it is too late for some sort of magic solution, but rest assured a solution of some sort does exist for you.

The most important step to take is probably the hardest. That is to face your situation and instead of running from it in fear, to approach it with an enthusiasm to resolve it.

Creditors or debt collectors can be as gruff or nasty as they will be, that doesn’t mean that it changes the reality of the situation. The only things that can happen by you facing this mess with honesty are the exact same things that will happen to you by hiding. In other words, nothing worse.

The National Credit Regulator in South Africa is responsible for the regulation of debt counsellors in South Africa. Their website has a directory of debt counsellors that you can contact for help. Find one and contact them for assistance. There are regulations in place that a debt counsellor can help you with to potentially restructure your debt.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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2 thoughts on “I Live in South Africa and I Have Creditors Calling Me Everyday. – Zandile”

  1. Dear Steve

    We have moved from South Africa to USA. Currently we are not able to pay our debt in South Africa. We have been able to pay it so far, but it is just really hard trying to keep up with our old debt, and trying to make a new life. What are our options?


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