1 Debt

01/11/2026

📘 DEBT COUNSELLING SERIES | PART 1

What exactly is debt counselling?

Many South Africans have heard about debt counselling, but don't really understand what it means or how it works.

Let's start with the basics.

Debt counselling is a legal process designed to help consumers who are struggling to meet their monthly debt repayments.

It involves a registered debt counsellor assessing your financial situation and working with your credit providers to negotiate more affordable repayment arrangements.

The aim is to:

✔️ Make your monthly debt repayments more manageable.

✔️ Reduce interest rates where possible.

✔️ Help you manage your debts through an affordable repayment plan.

✔️ Protect you against certain legal action by credit providers, subject to the legal process and applicable requirements.

Here's something important to understand:

Debt counselling is NOT a new loan, and it does not make your debt disappear.

It is a structured way of dealing with your existing debt while working towards becoming debt free.

At 1 Debt, we believe that understanding your options is the first step towards taking control of your finances.

❤️ Knowledge brings confidence. Understanding brings hope.

📞 010 448 7056
📱 WhatsApp: 061 589 1842
🌐 www.1-debt.co.za

1 Debt – Debt Relief Specialists
NCRDC3692

Look out for Part 2: Who qualifies for debt counselling?

30/10/2026

WELCOME TO OUR EDUCATIONAL SERIES:
UNDERSTANDING DEBT COUNSELLING!

At 1 Debt, we believe that making informed financial decisions starts with understanding your options.

We know that struggling with debt can be overwhelming. You may have questions, feel uncertain about where to turn, or simply not understand how debt counselling works.

That's why we've created this series!

Over the next few weeks, we'll take you through the debt counselling process, one step at a time.

We'll explain:

✔️ Where the process begins and what happens when you make an enquiry.

✔️ How your financial assessment is conducted.

✔️ How affordability and repayment options are determined.

✔️ What happens when you decide to proceed.

✔️ What to expect during the process and beyond.

Our purpose is simple:

To educate, inform and empower you with the knowledge you need to make the right decision for your financial circumstances.

We don't believe in making promises without explaining the process. We believe in transparency, understanding and helping people find a way forward.

Whether you're struggling with monthly instalments, falling behind on payments or simply want to understand your options, this series is for you.

No judgement. No unnecessary pressure. Just information, guidance and a better understanding of your options.

Follow along as we unpack the process together.

1 Debt – Debt Relief Specialists

📞 010 448 7056
📱 WhatsApp 061 589 1842
🌐 www.1-debt.co.za

NCRDC3692

Your journey towards understanding your debt starts here.

26/10/2026

🎄 THE COUNTDOWN TO CHRISTMAS BEGINS! 🎁

The kids are already making their Christmas wish lists. Holiday plans are starting, gifts are being discussed, and everyone is looking forward to a little festive magic. ❤️

But behind the excitement, you might be wondering…

💭 How will I afford Christmas this year?

Between groceries, school expenses, petrol, gifts and monthly repayments, December can feel like another financial mountain to climb.

You deserve to enjoy the festive season without carrying all that financial stress alone.

At 1 Debt, we can help you explore ways to make your monthly debt repayments more manageable and free up some breathing room in your budget.

✨ Start planning for a less stressful Christmas today.

📞 010 448 7056
📲 WhatsApp: 061 589 1842
🌐 www.1-debt.co.za

T&Cs apply. Assistance is subject to assessment.

20/10/2026

14/10/2026

You want to give your children the best. 🧡

You want to afford their daycare fees, let them join extra-mural activities, pay for school trips and still have enough money left for groceries, electricity, fuel and all the other everyday expenses.

But when debt repayments take up so much of your salary, even the little things can start to feel impossible.

And as a parent, that pressure can be overwhelming.

What if you could free up some breathing room in your monthly budget?

At 1 Debt, we help you explore ways to reduce your monthly debt repayments, so you can have more cash available for the essentials that matter — including your children's needs.

Because your salary should help you build a life for your family, not leave you struggling to get through each month.

💙 Less pressure. More breathing room. More moments that matter.

📲 Let’s talk about how we can help.

🌐 www.1-debt.co.za
☎️ 010 448 7056
💬 WhatsApp: 061 589 1842

Registered Debt Counsellors | NCRDC3692

12/10/2026

😩 MID-MONTH, AND ALREADY RUNNING LOW?

The groceries are running out, the fuel tank needs filling, and payday still feels so far away. 💸

Sometimes, it’s not that you’re earning too little. It’s that too much of your salary is going towards debt repayments, leaving you struggling to cover the essentials.

At 1 Debt, we understand that pressure. ❤️

We can help you explore ways to reduce your monthly repayments, giving you more breathing room in your budget and helping your money stretch further until your next payday.

Imagine having a little more money for groceries, fuel, school needs and your family's everyday expenses. 🛒⛽

📞 Call us: 010 448 7056
📲 WhatsApp: 061 589 1842
🌐 www.1-debt.co.za

1 Debt – Debt Relief Specialists
Because your salary should do more than just pay your debts.

28/09/2026

Another year is almost over…

At the beginning of the year, you promised yourself:

“This year, I’m going to get out of debt.”

But somehow, the months have passed… and you’re still dealing with the same financial stress.

The good news? It’s not too late.

You don’t have to wait for another New Year’s resolution to take control of your finances.

There’s still time to get back on track, deal with those debts and start working towards a more manageable financial future.

Don’t carry the same debt stress into another year.

📞 010 448 7056
📲 WhatsApp: 061 589 1842
🌐 www.1-debt.co.za

1 Debt – Debt Relief Specialist

23/09/2026

Sometimes, managing your money feels like a balancing act. ⚖️

Your salary comes in, but before you know it, rent, groceries, school expenses, transport, debit orders and debt repayments have taken most of it.

You’re trying to keep everything balanced — but there’s simply not enough left over.

If your monthly repayments are making it difficult to cover your everyday living expenses, 1 Debt can help you find a more manageable way forward.

📞 010 448 7056
💬 WhatsApp: 061 589 1842
🌐 www.1-debt.co.za

1 Debt – Debt Relief Specialists