Debt Counselling | SMS Limpopo

Debt Counsellors, Limpopo

Debt Counselling Limpopo Header Image

SMS Limpopo was established in July 2007 and is one of the first debt counsellors in the Limpopo Province. We are registered with the NCR (NCRDC075) and a member of DCASA.

Our head office is based in Tzaneen, and currently we have branches in Phalaborwa and Giyani.


Consumers suffering under the yoke of over-indebtedness can consult a debt counsellor for advice on how to extricate themselves from the debt trap.

A debt counsellor is someone who is registered with the National Credit Regulator (NCR) and who assists consumers who are experiencing debt-related problems and are having difficulty making their current monthly payment by providing them with budget advice, support and mediation with credit providers.

Debt counsellors also give highly indebted consumers basic information necessary to resolve their everyday credit problems so that they do not revert back into debt trap.


The National Credit Act no.34 of 2005 came into effect on 1 June 2005. This act makes provision for the registration of debt councellors to assist over-indebted consumers. All debt councellors are required to undergo training approved by the NCR.

From 1 June 2007, debt counselling services became available to consumers, who are unable to honour in a timely manner, all credit agreements to which they are party, as indicated by their history of debt repayment.

Debt counsellors can work independently or as part of an organization. In terms of the Act, debt counsellors cannot be part of organizations that provide credit, debt collection agencies or credit bureaus.

A consumer who is over-indebted may approach a debt counsellor directly, or he/she may be referred to a debt counsellor by his/her creditor/s or by the Magistrate Court. In a bid to curb the exploitation of consumers, the NCR has agreed to guidelines proposed by the Debt Counsellors’ Association of South Africa (DCASA), together with other debt counsellors. The guidelines are an interim measure aimed at setting maximum fees that debt counsellors may charge in order to limit exploitation of over-indebted consumers.


For the latest Schedule of Fees, go to