Rating based on 1,534 reviews
About National Debt Mediation Association
The National Debt Mediation Association (NDMA) is an organization that aim to educate South Africans about debt where it matters the most.
We offer debt counselling services and debt mediation and have one of the country's largest network of partnerships.
We do more than just Debt Counselling
As a non-profit organization, you can rest assured that we have your best interests at heart and that we will do whatever it takes to educate, transform and relive bad debt situations for as many as South Africans who need the help and are willing to go through with the necessary process.
What National Debt Mediation Association can offer you
We are also instrumental to changes in National policies and legislation, strive to educate and empower South Africans on how to avoid bad debt and how to crack down on debt.
We offer debt counselling services for consumers who are able to qualify for debt counselling and simply offer the most comprehensive and effective solutions to debt in the country.
Our approach to debt problems is unique
Our website offers consumers a mass of information about debt, how to deal with debt, what to do when you're being harassed creditors, how to deal with Section 129 Letters, how to manage your finances and how to save money. We believe that debt counselling is only effective if combined with effective education.
In a Nutshell
We have an effective solution to help you deal with debt
If you're struggling with debt you can contact us to find out the best and most suitable solutions for your individual situation.
We can provide you with debt counselling services which are a legal process that will enable you to reduce the amount that you pay towards debt every month and therefore reduce your monthly repayments.
Things to know about debt counselling
Debt counselling is not free and you will be charged according to the fee guidelines set out by the National Credit Act. You can view these fee guidelines on our website or on the website of the National Credit Regulator (NCR). Although your creditors will be unable to harass you and take legal action against you the debt counselling process is a legal process and you must also stand by your responsibilities which means you must make the necessary repayments and not take on any more credit like payday loans or personal loans until the process is completed and you've been issued with a clearance certificate.
Our application process is simple
Clients interested in our services can contact us via email and phone. Or you can fill a contact form available on our website. Our staff is trained to assist you, and you will receive feedback from us in record time. The application forms can be found on our website as well and are easy to fill. We ensure that applicants can access the form from any device, from wherever they reside in the country; making our services accessible to all.
After getting your application; our staff process everything and we may require you to submit relevant documents.
Eligibility & requirements
We follow strict eligibility criteria. Only applicants who fill the requirements would be considered for our services. You must be a legal adult to apply; meaning you must be eighteen years of age or older. Only South African residents are considered, and we do not take applicants from other regions.
To qualify for our debt services, prospective clients must be earning a stable income. Thus, you must be self-employed or working a full-time job to apply. We do not take applications from unemployed citizens.
We require identification documents, as well as your recent payslips along with your application. We also do a credit check and require bank statements to assess your credit history to provide our services.
Apart from a wide range of products and services, we also offer case studies on our website. These allow clients to get a glimpse of how we work, our success stories and what to expect from the process. It adequately prepares them and makes things ten times less overwhelming. Our budgeting tool is free and available on our website, offered for those who intend to manage their money better. Because we believe you can!
Eligibility & Requirements
Other Products & Services
- Debt Mediation
- Debt Counselling
- Credit Bureau Report
- Employer Assitance Programs
- Court Annexed Mediation
Customer Reviews & Testimonials
I was drowning in stress thanks to my debts, but after seeking help from NDMA, I was relieved from many problems.
— Durban —
Because of my house loan, I was under a lot of pressure from my creditors but after debt counselling, I was able to remove that burden, while paying my due as well
— Pretoria —
They helped me found a balance that I was struggling to achieve! I managed to pay off my debt while spending money on my everyday needs as well. It was truly phenomenal
— Johannesburg —