Your New Financial Future Awaits

Take Control of Your Debt. Embrace a New Horizon.

Feeling overwhelmed by debt? You're not alone, and there's hope. At New Horizon, we guide you through personalized debt counselling, helping you reclaim financial freedom and peace of mind. Start your journey toward a brighter, debt-free future today.

What Can I Expect from the Debt Restructuring Process, and How Will I Benefit?

Personalized Financial Assessment

We start by conducting an evaluation of your current financial situation, ensuring solutions are customized to your needs.

Negotiation with Creditors

We handle negotiations directly with your creditors, securing lower monthly repayments and significantly reduced interest rates.

Affordable, Consolidated Payments

Replace overwhelming multiple debts with a single, manageable monthly payment tailored to your affordability.

Legal Protection & Peace of Mind

Gain immediate protection from creditor harassment, legal action, and asset repossession.

Stop Creditor Harassment

Say goodbye to intimidating collection calls, our team takes care of all communication with creditors on your behalf.

Clear Path to Financial Freedom

With structured repayments and reduced interest costs, you’ll clear your debts faster and improve your credit rating

HOW IT WORKS

Your Plan to Financial Freedom in Seven Steps

At New Horizon, we simplify the path toward financial independence. Follow our clear, guided steps designed to lead you from financial stress to lasting freedom:

Step 1: Free Initial Consultation

Get started with a confidential, no-obligation consultation. We'll review your financial situation and explain the entire debt counselling process.

Step 2: Comprehensive Debt Assessment

We thoroughly analyze your finances and debts, clearly identifying obligations and developing a tailored restructuring plan.

Step 3: Creditor Negotiation

Our expert team negotiates with your creditors to secure reduced monthly payments, lower interest rates, and extended repayment terms.

Step 4: Consolidated Repayment Plan

We design an affordable, easy-to-follow repayment plan consolidating your debts into one manageable monthly instalment.

Step 5: Legal Protection & Peace of Mind

Once under debt review, you gain immediate protection from legal actions and creditor harassment, securing your assets and peace of mind.

Step 6: Regular Progress Monitoring

We continually review your progress, ensuring your repayment plan remains sustainable and aligns with your financial goals.

Step 7: Debt-Free & Credit Restoration

Celebrate your newfound financial freedom as you successfully complete the plan, improve your credit score, and regain control of your financial future.

Why Choose Us

Discover the Difference That Sets Us Apart

At New Horizon, your journey toward financial freedom is our top priority. Here’s why clients trust us:

Personalized Solutions

We create customized debt counselling plans tailored specifically to your financial needs and goals.

Expert Guidance

Our accredited debt counsellors have extensive experience negotiating effectively with creditors

Confidential & Compassionate

Expect respectful, empathetic, and confidential interactions every step of the way.

Proven Results

We’ve successfully helped countless individuals become debt-free, providing legal protection from creditors

Customer Service

+27 78 742 1567

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Take the First Step Toward Freedom

Don’t let debt define your future. At New Horizon, we’re here to help you regain control with expert guidance, compassionate support, and a clear plan toward a debt-free life. Your journey starts today—let’s walk it together.

COMMON QUESTIONS

Most Popular Questions

What is debt counselling?

Debt counselling is a legal process that helps you manage and repay your debts through a structured plan, while protecting you from legal action by creditors. It’s designed for individuals who are over-indebted and struggling to meet their monthly financial obligations.

How do I know if I qualify for debt counselling?

If your monthly expenses and debt repayments exceed your income, or you’re falling behind on payments, you may qualify. We’ll assess your situation during a free consultation to determine the best solution for you.

Will I lose my home or car during the process?

No. One of the main goals of debt counselling is to protect your assets. As long as you comply with the agreed repayment plan, your home, car, and other essential assets will be safe from repossession.

How long does debt review take?

The length of the process varies depending on your level of debt and your monthly repayment amount. On average, clients complete the process within 3 to 5 years, with regular reviews to track progress.

Can creditors still contact me once I’m under debt review?

No. Once you're under debt review, creditors are legally prohibited from contacting you or taking legal action. All communication will go through New Horizon.

Will debt counselling affect my credit score?

Yes, but only temporarily. While under debt review, you won’t be able to take on new credit. However, once you complete the process, your credit record is cleared, and you can begin rebuilding your credit profile.

What happens if my financial situation changes?

We understand that life happens. If your income increases or decreases, we can reassess and adjust your repayment plan accordingly to keep it realistic and manageable.

Is debt counselling confidential?

Absolutely. Your privacy is our priority. All consultations and processes are handled with complete confidentiality and professionalism.