Stop creditor harassment with Debt Review
Get legal protection, lower your monthly payments, and finally breathe again. Debt Review helps you take back control.
Protection from legal action
One affordable monthly payment
Reduce interest and stress
Legal protection that empowers
Debt Review that puts you back in control
Debt Review is more than just debt relief, it’s a legal safety net that gives you space to recover. At Cyber Finance, we help you consolidate all your debts into one affordable monthly payment, reduce your interest rates, and protect your assets from repossession. Whether you’re overwhelmed or already behind, we guide you step by step toward a debt-free future.
Specialist in debt review solutions
How Debt Review works in 4 simple steps
Our step-by-step Debt Review process takes the pressure off your shoulders and replaces uncertainty with structure. No more guessing, no more threats, just a proven plan and expert support to help you get back on track.
Free debt assessment
We review your income, expenses, and debt to determine the right solution for your situation.
Legal protection
Once under review, you’re protected from legal action and creditor harassment.
Restructured monthly payment
We negotiate with creditors to lower interest rates and combine your debt into one affordable payment.
Path to financial freedom
Stick to your plan and become debt-free step by step, with expert support the whole way.
Reduce your debt and reclaiming control
Ready to start your Debt Review journey?
You’re not alone, and you’re not out of options. With the right plan and the right support, you can stop the stress and build a new financial future, step by step. At Cyber Finance, we’re here to guide you all the way.
What do our
clients say?
87% satisfaction score
38,267 people went before you
Finally after nine years, I was able to pay off the balance of my debt, which I did but the debt councillor, was not reachable to issue the clearance certificate. Thankfully, the NCR, recommended that I contact another DC to assist me which I did. Thank you very much to Cyber Finance, Cape Town but in particular, to Alain le Roux, who made the process so painless and always treated me in a professional way. I highly recommend Alain and I wish that I knew of him when I first started with debt review. Thank you, Alain.
Vicky Allan
I will like to thank the Cyber Finance specially Rene, Abbas, Imraan and the whole team for the good work and support from them. The team is determine and very helpful. You guys Rock, 10 out of 10 for you guys. You guys manage to get my car back for me. I will be forever thankful for your good/Excellent services and I will recommend anyone to use your services.
Gideon Hector
I would like to take this opportunity to thank Cyber Finance, with Melony Blake in particular, her assistance has far exceeded my expectations, from the time I decided to involve Cyber Finance, the approach has been nothing short of professional, friendly and understanding. I will no doubt recommend Cyber Finance to anyone who requires their services, thank you Melony and your team for everything!!
Sachin Singh
I am very happy thus far with the service i got from Cyber Finance. Friendly and efficient assistance from the consultants.Keep up the good work!
Sherese Michaels
Excellent service, and always ready to help – 1 Year with these guys and all has been great thus far! My queries are attended to immediately and resolved in no time. Thanks Guys!
Sebastian Aitken
Frequently asked questions
What is Debt Review?
Debt Review is a legal process introduced by the National Credit Act to help over-indebted South Africans restructure their debt into one affordable monthly payment, while protecting them from legal action and repossession.
Can I apply for Debt Review if I already have a bad credit record?
Yes. Debt Review is designed specifically for people who are struggling with their debt and often have missed payments or a poor credit score.
How long does a Debt Review take?
Most clients complete the process within 3 to 5 years, depending on the amount of debt and the repayment terms negotiated with creditors.
Is the process confidential?
Absolutely. All assessments and communications are handled with strict confidentiality. Your employer or others won’t be notified unless you choose to disclose it.
Are there fees involved?
The initial assessment is 100% free. If you choose to proceed, all fees are regulated by the National Credit Regulator and are included in your monthly repayment, no surprise costs.
