Debt rehabilitation

Debt Rehabilitation

D&R Incorporated offers 2 debt rehabilitation programs
D&R Incorporated offers 2 debt rehabilitation programs, Debt Review and Administration order. Both of these programs are designed to help you pay off your debt while enjoying legal protection from your creditors. Each program offers one installment for all of your debt which gives you more money in your pocket every month.
Debt Rehabilitation-services-reliable company DandR

Our Debt Solutions are based entirely upon and are completely compliant with current South African Legislation. We have a team of Qualified Legal Professionals whose expertise and pride in their field of work keep them at the forefront of the ever evolving legal arena, particularly in the field of Debt Rehabilitation and Consumer Protection. Our services extend to ensuring the protection of our clients estates in the form of providing a legal advisory service as well as the drafting of Wills. Together with a team of experienced Practicing Attorneys who are based throughout Kwazulu-Natal, we are able to assure our clients of Superior Legal Services, peace of mind and a Debt-Free future.

Debt review

Main characteristics

  • You must be permanently employed or self-employed
  • There is no limit on the amount of your debt
  • Claims, where legal action has already commenced, cannot be included
  • Housing bonds and vehicle finance agreements can be included
  • Payments are made to your creditors through a registered distribution agency on a monthly basis
  • You may not obtain further credit until your current debt has been paid in full


  • You receive the protection of a debt restructuring court order that protects your salary and your assets
  • No more harassment from creditors
  • Interest rates and repayments are reduced in accordance with your affordability
  • You pay one monthly/weekly installment that you can afford to cover all your debt
  • Sufficient provision is made for your basic living expenses so that you live comfortably while paying off your debt
  • A clearance certificate is issued once you have paid off all your debt


  • Original identity document
  • Original salary advice/payslip (not more than 2 months old)
  • Bank statement (1 month)
  • If married in community of property, the above documents are required from your spouse as well as your marriage certificate.
  • Proof of address (not more than 3 months old)