At Debt Sage, you’re not just a number. We genuinely care. Here’s our story, what drives us, how we work, and why you should choose us.
More than half of people with credit in South Africa are over-indebted. They can't keep up with their instalments, they are overwhelmed by angry calls from debt collectors, and they feel themselves — and their families — slipping deeper into what feels like an inescapable debt spiral.
Despite millions of South Africans struggling with this problem, over-indebtedness is still a taboo. For most, it is a scary and lonely place to be.
Charles Shonayi founded Debt Sage in 2009 to tackle this problem. As an economic analyst, Charles understood just how destructive the debt spiral could be not only for individual consumers, but also for the economy as a whole. Having worked at a large debt counselling company previously, he saw first-hand the relief that debt review brought to debt-stressed consumers and how it could change their lives for the better. He wanted to make this service more accessible to more people, but he also wanted to do it in a way that was personal and caring.
Since then, Debt Sage has helped thousands of South Africans. The Debt Sage team has grown to a group of dedicated and experienced debt counsellors and specialist attorneys. They are passionate about helping people to take back control of their finances. And they're ready to help you, too.
Top Reasons to Choose Us
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You’re Not Just a Number
As a small team, we offer personalised service. This is contrary to what you might experience when dealing with a large debt counselling company, servicing thousands of clients at the same time.
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Independent and Transparent
We value your trust and we act with integrity. We generate our income by charging strictly-regulated fees, set by the National Credit Regulator, with whom we are registered. We don’t sell your personal information, get kickbacks from any third parties, or charge you any hidden fees.
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Specialists
We’re razor-focussed on helping clients turn the page on their debt. Our team of relationship managers and attorneys will fight for your best interest. Our attorneys are debt review specialists and experts in handling cases of reckless lending at the courts.
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Deep Experience
We have been serving our clients for 15 years. Our team has strong expertise and has seen what works and what doesn’t.
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Confidentiality
Even though it shouldn’t be stigmatised, we know that debt can be a sensitive subject. We respect our clients’ trust and handle their affairs with the confidentiality they deserve.
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We Adapt to You
We offer consultations via email, Whatsapp, telephone calls, and Zoom video calls, depending on what is most convenient to you.
Areas We Serve
We’re based in Johannesburg, Gauteng, but serve clients from across South Africa — and even South Africans living abroad! Fortunately, you don’t need a debt counsellor to be in your area to help you: the entire process is digital. Our clients are spread across cities like Cape Town, East London, Durban, Bloemfontein, Pietermaritzburg, and towns country-wide.