THN Debt Counsellors

The National Credit Act, Act 34 of 2005 came into full force and effect on 1 June 2007 and with it came the inception of debt review and debt
restructuring. Since its inception, debt review and debt restructuring have posed consumers alike. In order to solve some of these challenges major credit providers, in
consultation with established debt counsellors and the National Credit Regulator, which should be employed in order to streamline the debt review and restructuring process.
In order to share the outcomes of the work streams with all debt counsellors and to address the operational difficulties of the Act, the credit industry and the NCR have agreed to fund
and facilitate this supplementary training to registered debt counsellors. As a result of all this, so came the conception of THN Debt Counsellors.
Debt Review

We represent affected consumers by negotiating with creditors to decreasing their monthly instalments by up to 50%.

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Financial Planning

Your goals are the foundation of your financial plan because you need to know what you want to accomplish before you can begin saving or investing.

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Garnishee Order Rescission

In simple terms, a “garnishee order” allows a creditor to force your employer to deduct money from your salary...

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Administration Order Rescission

A debtor whose total debts do not exceed R50, 000 and who is unable to pay the debts may apply to a...

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Save Money

Our fees are the lowest around

At THN Debt Counsellors we promise you the lowest rates in the region.

Personal Touch

We make you feel at home

Our staff will take time to sit down with you and explain all you want to know.

Transparent Work

All our work is clear

We keep our client fully appraised of the process as we carry it out every step of the way.

Technologically Aware

Moving with the times

In cases where clients need to communicate, we support all platforms, email, fax, cell and telephone

Standard Documentation

User friendly documents

THN Debt Counsellors' documentation is of proper, easy to understand, standards that need little clarification.

Information Confidentiality

Personal information is kept secure

We have policies in place that keep your personal information safe & secure from outsiders.


I respect the way THN Debt Counsellors handled my application in a timely manner.
I was able to start my year in an improved financial position. Thank you THN...

- Jabulani Matukane -

THN Debt Counsellors' professional and above standard work ethic impressed me the most.
I would recommend them to anyone in need of their services.

- Amu Mbiza -

I didn't know anything about Debt Review, so I commend THN Debt Counsellors' clarity & patience.
They really made me feel at ease when I asked questions, They have my vote.

- Andrew Muringani -

About our company

THN Debt Counsellors is a national debt counselling company, with branches in Giyani, Polokwane, Mpumalanga, Johannesburg & Eastern Cape.
Our main focus is to assist and aid all the consumers who cannot afford to meet their monthly financial obligations.

The Man in Charge

THN Debt Counsellors was founded, and is currently run by Mahlori L. Ngobeni, a qualified, experienced & registered Debt Counsellor.

Points Of Merit

These are points that give THN Debt Counsellors a leading edge in the Debt Review sector. The longer the bar (higher the percentage(%)) the better the service.

Quick Processing Time
Personal Interaction
Information Security
Document Clarity

FAQs from clients

  • THN Debt Counsellors is a national debt counselling company, with branches in Giyani, Polokwane, Mpumalanga, Johannesburg & Eastern Cape. Our well trained & specialized Registered Debt Counsellors, who are also accredited and empowered by law (National Credit Act 34 of 2005 (Implemented on 01 July 2007)) are available all across our branches to aid all the consumers who cannot afford to meet their monthly financial obligations.

  • We represent affected consumers by negotiating with creditors to decreasing their monthly instalments by up to 50%. This makes their monthly obligations more affordable and eases the debt situation that so many consumers find themselves in due to the recession period we are just coming from. Once a consumer has applied for debt review, we protect them from creditors and blacklists secure their assets from repossessions.

    THN Debt Counsellors can easily relieve indebted individuals before they are summonsed, blacklisted or their assets are repossessed. Once any of these legal actions are taken against them, their situation becomes more complex to resolve.

The Debt Review Process

This is the Debt Review Process as outlined by the National Credit Regulator following guidelines put in place by the The National Credit Act, Act 34 of 2005 which came into full force and effect on 1 June 2007.
  • Consumer approaches a debt counsellor

  • Debt counsellor notifies credit providers and credit bureau via form 17.1

    Debt Counsellor
  • Consumer may not incur any further debt (credit agreement or use overdraft / credit card) unless it is to consolidate debt

  • Credit providers issue a certificate of balance to the debt counsellor

    Credit Provider
  • Debt counsellor confirms to credit providers whether consumer is over- indebted or not

    Debt Counsellor
  • If consumer is over-indebted, debt counsellor and credit providers enter into payment negotiations

    Debt Counsellor
  • Consumer commits to a payment plan and makes monthly payments to Payment Distribution Agent (PDA)

  • Payment Distribution Agent distributes funds in terms of the payment plan (or debt rearrangement order when granted) to credit providers

    Payment Distribution Agent
  • Consumer ensures that credit providers receive regular monthly payments as agreed in terms of an accepted proposal (or debt rearrangement order when granted) to avoid termination

  • Matter is set down in court by the debt counsellor (credit providers may oppose the matter in court if agreement is not reached)

    Debt Counsellor
  • The process is finalised by the granting of a debt rearrangement order

    End of Process
  • Consumer’s financial position is to be reviewed annually by the debt counsellor

    Debt counsellor
  • Debt counsellor issues a clearance certificate when debt is settled

    Debt counsellor
NB. Important time lines Debt counsellor must submit a Form 17.1 to all credit providers within 5 business days (excluding Saturdays, Sundays and public holidays) from date of application.
Credit providers must provide certificate of balance to the debt counsellor within 5 business days to the debt counsellor after receipt of the Form 17.1 .
  • So are you in Debt?, Let us Help you by reducing your debt repayments by up to 50%, make your money more manageable.

  • Don't risk getting blacklisted or having your property repossessed , contact us today and avoid the stress that comes with such...


Fun facts about us

Helped Over...



Let us help you from under your burden of Debt

Presented at over...



Come & listen to how we can help you.

One Client saved over...

35789 Rands.

Our Highest record for a single client to date.

More than...



The bulk of our Applications come back successful.

Member of our team

The staff of THN Debt Counsellors is more than suited to explain, assist and aid in of the services we offer.
Our Managerial team insures a Motivated, Convivial and Scholarly team to deal with any questions you may have, meet our managerial team.
  •  Mahlori Ngobeni
    Maxwell Mahlaule
    Marketing Manager
  • Thomas Chauke
    Operations Manager
  • Miyelani Mbedzi
  • Tsakani Ngobeni
    Admin Officer

Associate Companies


2 Additional Info

Contact us

If you're finding your debts are a little to much to handle then THN Debt Counsellors is the helping hand you need.
Contact us today and we'll make sure we start your Debt Review process as soon as possible.
Contact us now ,
Monday - Friday
8:30 AM - 5:00 PM
9:00 AM - 12:00 PM


Address : Unit B A, 1st Floor, Chachulani Building, Giyani 0826
Phone : +27 (015) 812 1032
Phone : +27 (072) 598 1096
Fax : +27 (086) 657 2838