What it actually is
Debt counselling helps over-indebted consumers through budget advice, negotiation with credit providers for reduced payments, and the restructuring of debts into one affordable plan.
NCR-aligned debt review · South Africa
Struggling with debt?
Let's turn the page
Struggling with debt?
Let's turn the page
together.
Allow us to manage your debts securely and efficiently. We combine qualified debt counsellors with state-of-the-art technology to give you one affordable monthly payment, legal protection, and a clear path back to freedom.
- One fixed monthly payment
- Assets protected
- Creditors stop calling
- National Credit Act (NCA)
- NCR-aligned process
- Debt Review
- Debt Counselling
- Legal protection
- Affordable restructuring
One roof
The widest range of debt management solutions, in one place.
About us
Tristar Debt is a financial solutions company.
We provide an advisory and management service for clients who are over-indebted or experiencing financial pressure. As a leading provider of free debt advice and counselling, we offer comprehensive, highly effective debt solutions and a personalised service tailor-made to your individual needs.
Our approach is human first. We listen, we plan around your real budget, and we deal with your creditors so you don't have to — turning a stressful tangle of accounts into one manageable, predictable monthly payment.
1
affordable payment
every month
every month
100%
focused on your
financial recovery
financial recovery
R0
for your first
debt assessment
debt assessment
The solution
Debt counselling — also known as debt review
A debt solution designed for South African consumers who are over-indebted and struggling to manage their finances. It's a crucial part of the formal debt rehabilitation process introduced by the National Credit Act.
When it applies
Over-indebtedness occurs when you can't repay all your obligations on time, or when your total repayments exceed your income after living expenses. If that's you, there are real solutions available.
Why it works
The National Credit Act introduced debt review to keep consumers out of personal administration and its long-term effects. For many people, it's the clearest way out of heavy debt.
Debt can feel suffocating and impossible to manage — but it isn't. Debt review exists precisely so that ordinary people can get themselves out of heavy debt, protect what matters, and rebuild with confidence.
Why Tristar
The widest range of solutions, under one roof
A team of bright, dedicated and service-oriented people who are genuinely passionate about helping you. Here's what that looks like in practice.
Qualified & compliant counsellors
Fully qualified debt counsellors who follow an NCR-aligned process to guide you through every step with confidence.
Dedicated client & legal team
Our client services and legal team offer up-to-date information about your specific case, whenever you need it.
A genuinely personal approach
We tailor solutions to your circumstances and stay with you throughout the process to ensure the highest quality of service.
Best-fit financial solutions
Experienced advisors help you find the right solution for your needs, depending entirely on your situation.
State-of-the-art technology
Our systems integrate with South Africa's credit providers to keep the process fast, accurate and efficient.
Always improving
We continually refine what we do so we can keep delivering innovative, unique and reliable financial services.
The upside
Benefits of debt review
Ten very practical reasons people choose debt review — and choose Tristar to guide them.
One fixed monthly payment
A single payment each month, simplifying the whole process of repaying your debt.
Reduced monthly payments
Lower monthly repayments towards your debt for the duration of your debt review.
Never more than you can afford
You won't pay more money than you can reasonably afford, based on your real budget.
Save on interest & fees
Negotiated terms can reduce the interest and fees weighing your accounts down.
Legal protection
While under review, creditors cannot take legal action against you.
The calls stop
It stops creditors from hassling you, so you can finally breathe.
Your assets are protected
Your assets are protected from being repossessed while you're under review.
Smarter money habits
An experienced advisor suggests ways to cut costs and handle your money more effectively.
Genuine peace of mind
The reassurance of knowing that all of your debts are being paid.
You become debt-free
Complete the debt review process in full and you come out the other side debt-free.
Start your journey
How it works
Three simple steps to financial freedom
No jargon, no pressure. Just a clear, guided path from where you are to where you want to be.
-
1
Register
Reach out and share a few quick details. It takes minutes and your first assessment costs you nothing.
-
2
We will contact you
A qualified counsellor reviews your situation, explains your options, and builds a plan around your real budget.
-
3
Gain your financial freedom
We negotiate with your creditors and you make one affordable payment — until you're free.
Gallery
A glimpse of Tristar
We take pride in our work and the people we work with. Here's a peek behind the scenes.
Testimonials
Real relief, in their words
The best part of what we do is the moment the weight lifts. Here's how that felt for a few of the people we've walked beside.
FAQ
Questions, answered honestly
If you don't see what you're looking for, just ask — we're happy to talk it through with zero pressure.
Ask us anythingWhat exactly is debt review?
Debt review (also called debt counselling) is a formal process introduced by the National Credit Act. A qualified counsellor assesses your finances, negotiates reduced repayments with your creditors, and restructures everything into one affordable monthly payment.
Will creditors stop contacting me?
Once you're under debt review, creditors can no longer take legal action against you and the harassing calls stop. We become the point of contact, so you can focus on getting back on track.
Will I lose my house or car?
Debt review is specifically designed to protect your assets from repossession while you're in the process — that protection is one of its biggest advantages.
How much will my new payment be?
It's based on what you can reasonably afford after living expenses — never more. Use the estimator at the top of the page for an illustrative idea, then book a free assessment for your real numbers.
How do I get started?
Register using the form below or give us a call. We'll contact you, talk through your situation, and explain your options — no obligation, no judgement.
When am I considered over-indebted?
When you can't repay all your financial obligations on time, or when your total debt repayments exceed your income after living expenses are paid. If that sounds familiar, it's worth a conversation.
Request a call back
Make a choice.
Send a message and one of our counsellors will call you back. The conversation is free, confidential, and entirely judgement-free.
-
Looking for collaboration?contact@tristardebt.co.za
-
Where we're locatedLa Lucia
-
Mon–Fri · 08:00–21:00031 943 4754 · WhatsApp 073 919 4425
Ready to gain your financial freedom?
One call could be the turning point. Let's manage your debt securely and efficiently — starting today.