How it works
You see the answer first. The call is your choice.
Answer seven questions
Where you live, how your repayments feel, roughly what you owe, and what comes in each month. Estimates are fine.
Read your result
It appears on screen straight away, with the trade-offs spelled out. No contact details needed to see it.
Choose what happens next
Ask for a call from My Debt Hero, or simply close the page.
Debt review, plainly
What debt review does, and what it costs you.
What it can do
- Combine your accounts into one lower monthly repayment that fits your budget.
- Have a debt counsellor negotiate lower interest rates with your credit providers.
- Move the conversation with creditors to your counsellor while the plan is in place.
What it will not do
- Write off what you owe. You repay your debt, usually over a longer period.
- Leave your credit record untouched. Debt review is recorded on your profile, and you cannot take new credit until you receive a clearance certificate.
- Cost nothing. Debt counselling fees apply and are included in your repayment plan.
- Cover every account. Accounts where legal action has already started may be excluded.
Who you are dealing with
A referral service that tells you how it works.
MoolahTribe helps South Africans understand their money and find the right kind of help. We are not a debt counsellor and we do not give credit.
If your result points to debt review and you ask for a call, we pass your answers and contact details to our debt counselling partner, registered with the National Credit Regulator: .
The money check is free for you. My Debt Hero may pay MoolahTribe a fee when we refer you. That never changes what you pay the debt counsellor.
Questions people ask
Does the money check affect my credit score?
No. The seven questions are not a credit check and nothing is sent to a credit bureau. Debt review itself, if you later choose it, is recorded on your credit profile until you are cleared.
What does it cost?
The money check and the first call are free, with no obligation. If you go ahead with debt review, the debt counsellor's fees are built into your monthly repayment. Your counsellor must explain those fees before you sign anything.
Who sees my details?
MoolahTribe and, once you have ticked the consent box, My Debt Hero in Paarl. Nobody else. The privacy notice explains how to have your details removed.
What if I am already under debt review?
You cannot start a second debt review. Your current debt counsellor is the right first call. If you are unhappy with them, the National Credit Regulator handles complaints.
What if I have no income right now?
Debt review needs a regular income to fund the reduced repayments, so it will not fit yet. Your result points you to free help instead.
Can I stop you contacting me?
Yes, at any time. Reply STOP on WhatsApp or tell the person who calls, and we remove your details.