Debtfree Issue September 2022 DebtBusters Special Edition

SPECIAL
EDITION
WHO REALLY
OWNS
YOUR CREDIT
DEBT
REVIEW
AWARDS
IS COMING
REPORT
Issue 09 of 2022

EXCELLENCE IS DOING
ORDINARY THINGS
EXTRAORDINARILY
WELL
– John W. Gardner

WHAT MAKES US
EXCELLENT?
/ Unimpaired and automated PDA systems
/ Integration with top-ranked Debt Counsellor systems
/ Best customer support in the country – queries are resolved within 24 hours
/ Strong compliance and best-industry-practice implementation is at our centre
Call Saishen Krishnan
Head of Hyphen PDA | 071 884 7300
Or call our friendly support centre on 011 303 0060 - Option 2
or visit our website www.hyphenpda.co.za

FROM THE EDITOR
Awards. Everyone loves recognition for all their hard
work. It’s nice when somebody says “well done”. Who
wouldn’t enjoy receiving an award?
Recently, the world got to enjoy the 74th Emmy Awards when actors
and directors like Lee Jung-jae (the Squid Games guy) and Michael
Keaton (batman who recently played a drugged up small town
doctor) received awards for their roles in popular TV shows. It great
to find out who gets an award, and see if you agree that the industry
chose the right winner (or moan when they choose the wrong one).
While those ceremonies are going on, a different nation morns the
loss of their Queen, other nations are blowing each other up in the
Ukraine, and people are trying to keep their heads above water in
Pakistan. The world is weird like that. But disasters and tragedy should
not prevent us from recognising a job well done and effort well spent.
So, in the midst of a challenging world still reeling from a Pandemic
and energy crisis, we will be having the 9th Annual Debt Review
Awards at the end of this month.
Debt Counsellors and credit provider staff members who work hard at
the various debt review departments, also deserve a little recognition.
As do those who are making the effort to pay off their debts each

month. In this issue, we will get a better idea of when, where and how
you can watch the Debt Review Awards and what to expect. We really
do hope that you are able to join online.
We also discuss some facts about credit and debt review that you
may not have known before. We take a little while to get to know key
industry role players better, and pick up a few tips for success along
the way.
If you are a consumer pushing through the challenges of just making
ends meet these days while trying to keep your head above water,
and pay off your debts through debt review then, you are the star of
your own movie. You are the lead character, we are all rooting for
you, we hope that you win and we salute you for all your hard work in
sticking with the process.
Sure, famous actors and smart TV shows are pretty cool and all that
but, you are the real winners. You deserve an award, in reality of
course, you are going to be rewarded if you stick with the process.
Not long now and you will be debt free.

FROM THE
DESK
HOW TO DECIDE
ON THE BEST DEBT
COUNSELLOR FOR YOU
Rising interest and inflation
rates are forcing more
people to find ways to
manage debt and an
increase in enquiries shows
many are considering debt
counselling, but there’s
more to choosing the right
debt counsellor than a
Google search.

Debt counselling is a process that typically lasts between three and
five years. A good debt counsellor should not only help to restructure
your debt but guide and support you through the entire journey.
Deciding you need help to manage your debt is an important and
potentially life-altering decision. After all, you’re putting your financial
future in someone else’s hands. That’s why finding the best debt
counsellor for you is critical.
It’s recommended that consumers consider the following when they
are trying to select a debt counsellor:
Are they registered with the National Credit Regulator?
All debt counsellors must be registered with the National
Credit Regulator. You can verify a debt counsellor’s details on
the National Credit Regulator website.
Do they belong to a professional association?
Check if the debt counsellor belongs to a professional body
or association which ensures its members adhere to industry
standards. Often the membership is displayed on the debt
counsellor’s website.
Industry associations exist to improve the standards of service.
It is critical that consumers check if the debt counsellor is
part of an industry association – this provides an extra layer of
protection for the consumer.

Do they use the Debt Counselling Rule Set (DCRS) when
restructuring your debt?
The DCRS system is the industry gold standard and benefits
consumers and creditors alike: it allows unsecured debt to
be repaid as quickly as possible and allows creditors certainty
about the timeline of the process. In some cases, interest rates
can be reduced to 0% for unsecured credit such as credit card
debt, personal loans and retail loans (depending on size of
debt and ability to repay). Insisting on a debt counsellor who
uses DCRS ensures that as a consumer you will repay your
debt as quickly as possible and will also ensure acceptance of
your restructured debt proposal by the creditors.
Are they able to explain the process and support you
through it?
A good debt counsellor should be able to clearly explain
the debt counselling process and answer any questions or
concerns you may have. They must manage your expectations
and those of the credit providers and inform you when they
need your input.
They should also have sufficient resources to be able to
provide advice and support throughout the process and even
help you with budgeting after you’ve received your clearance
certificate.
It’s important that a debt counsellor has the right support
framework in place to help you through the process.

Have they thoroughly assessed your financial situation
before suggesting a repayment plan?
Be wary of anyone who suggests an outcome or repayment
plan to encourage you to sign up for debt counselling before
they’ve done a full assessment. Even a basic assessment
should include information such as your marital status,
income, debt obligations and living expenses.
Good debt counsellors will do a thorough financial
assessment, looking at all aspects of your finances and ability
to repay back your debt. This is rare in the South African
financial services industry.
Based on the assessment they can then recommend a
repayment plan that is best suited for you.
South Africa has an effective debt counselling system. Evidence of
this is the increasing number of consumers who are completing the
process. By following these few simple guidelines, consumers who
need help with their debt can find a reliable and supportive partner
who will go the distance with them.

DEBT REVIEW
LESSON #1
When starting debt review it is very
important to cancel your existing debit
orders towards all other debt repayments.
Since you will now make payments towards
your debt through a single consolidated
repayment via a PDA, you do not want to
be double debited.
Be sure to discuss how to cancel such
debit orders with your Debt Counsellor.
They may ask you to help or ask you to
sign special forms to send to your
credit providers.

CONTENTS
WHO REALLY OWNS
YOUR CREDIT REPORT
DOLLAR
VS RAND
THE TOP 50 DEBT
COUNSELLORS
ANNOUNCED
HABIT
STACKING
DISCLAIMER
Debtfree Magazine considers its sources reliable and verifies as
much information as possible. However, reporting inaccuracies
can occur, consequently readers using this information do so
at their own risk. Debtfree Magazine makes content available
with the understanding that the publisher is not rendering legal
services or financial advice. Although persons and companies
mentioned herein are believed to be reputable, neither
Debtfree Magazine nor any of its employees, sales executives
or contributors accept any responsibility whatsoever for their
activities. Debtfree Magazine contains material supplied to
us by advertisers which does not necessarily reflect the views
and opinions of the Debtfree Magazine team. No person,
organization or party can copy or re-produce the content
on this site and/or magazine or any part of this publication
without a written consent from the editors’ panel and the
author of the content, as applicable. Debtfree Magazine,
authors and contributors reserve their rights with regards to
copyright of their work.

WHO REALLY
OWNS
YOUR CREDIT
REPORT

WHO REALLY OWNS YOUR CREDIT REPORT?
WE KNOW WHO
YOU ARE...
When you apply for credit, one of
the things that a credit provider has
to do is check your existing financial
situation and your overall debt
situation. They do this speedily by
drawing a credit report.
There are many credit bureaus that store
information about you and the credit provider
will have their preferred supplier (or two).
The credit report has a lot of information
about you including details on how you have
been paying your various credit accounts and
how much you owe each one of them.
Something else that is available is your credit
score. This is a quick rating on how well you
use credit as represented by a number or
score. The higher the number the better
the score.

WHO REALLY OWNS YOUR CREDIT REPORT?
THE MAGIC THEY DO
WITH NUMBERS
Credit Bureaus calculate your credit
score based on the following:
• Your debt repayment history (missing
payments is bad);
• Amounts owed;
• Types of credit applied for and
how often;
• How long your accounts have
been open;
• How much of your available credit
you’re using (are you maxed out?);
• Whether there is any history of you not
honouring a debt obligation that resulted
in bankruptcy or a judgment against you.
Ironically, if you never use credit then your
score is lower and credit providers find it hard
to figure out if you are a good payer or not.
This is often why people will advise you to
have “some credit” so that you can build up a
reliable credit history and repayment pattern.

WHO REALLY OWNS YOUR CREDIT REPORT?
WHOSE INFORMATION
IS IT ANYWAY?
You may wonder, if this information
is all about me who owns the
information? Is it mine? No.
While you are the ‘subject’ of the information
you are not the owner of the information. In
fact, credit providers (and others) are able to
buy access to this information that the credit
bureaus have stored about you.
Since the information is about you,
Government has insisted that you should be
able to get this information and check that
it is correct. It’s not uncommon for there
to be some small errors in such reports.
Credit providers sometimes submit incorrect
information by mistake.
Also, access to such reports may reveal that
someone else is pretending to be you and
opening up credit accounts using your details.
This type of identity theft fraud is on the rise.
So, it is good to check your information at the
various credit bureaus.

WHO REALLY OWNS YOUR CREDIT REPORT?
FREE
CREDIT
REPORTS
Government requires that credit
bureaus give you free access at least
once a year.
You can check the various credit bureaus’
websites for how to get free access. If offered
the choice between a free credit score or a
free credit report, the report is always best
as it contains a lot of information about the
different debts you have (and other things like
if you are under debt review or have a recent
judgement against your name).
Many debt counselling practices will also give
you a free report if you contact them and ask.

WHO REALLY OWNS YOUR CREDIT REPORT?
THAT’S
NOT RIGHT!
If you see something you disagree
with on your credit report then
you can submit a complaint to the
relevant credit bureau using the
forms provided for download on the
credit bureaus’ websites.
It normally takes about 3 weeks for such a
query to be resolved and traditionally most are
resolved in the favour of the consumer.
If you are under debt review then you will
have what is known as a “debt review flag”
or listing shown on your report (until you
finish up debt review and get a clearance
certificate).
This temporary listing helps speed things up
when credit providers check your report and
score as they then know you are paying off
debt and not meant to access more debt
during this time.

WHO REALLY OWNS YOUR CREDIT REPORT?
KNOW
THY SELF
If you are thinking of accessing
credit then knowing your credit
score and checking that your
credit report contains accurate
information about you is worth the
time (and perhaps expense).
For more information about the various credit
bureaus in South Africa check out the Service
Directory Section later in this issue. There are
more than you think.

DOLLAR
USD
VS
$

RAND
ZAR
R

DOLLAR VS RAND
WHY SHOULD YOU
CARE?
We often see news reports and
stock market people talking about
the Rand vs Dollar exchange rate.
We never use Dollars here so why
should we care what the exchange
rate is?
When SA buys oil, we do so in Dollars. This is
true of many products that are imported. This
means that when the Rand gets weaker vs the
Dollar, it pushes up how much we have to pay
locally for such products.
This is why it is worth knowing what is
happening when we compare the relative
value of the 2 currencies, even though we
never use Dollars when we go shopping.
At the moment* the rate is:
R17.75 for 1 US Dollar
* Mid Sept 2022. The rate changes daily. You can google the
current rate: Go to google.co.za and type in: USD to ZAR

DOLLAR VS RAND
WHAT DOES THAT
MEAN?
This means that if you want to get
your hands on $1 you have to pay
R17.75 (plus whatever mark up and
fees the exchange charges).
For the majority of the past 5 years, the Rand
has been under R15/Dollar but recently you
will have felt the impact of the higher rate as
petrol prices (and thus transport prices and
the price of goods at shops) have gone up.
In the last 30 days the Rand has lost about
75c/Dollar. This means that even when global
petrol prices fall (which is great) we get
disappointed that the price of local fuel does
not drop as much as we would expect.
This is just one reason why it is useful to check
what the Rand Vs Dollar rate is.

DEBT REVIEW
LESSON #2
If a credit provider debits your bank
account after you have already started to
make payments to them, via debt review,
you should talk to your Debt Counsellor
immediately. They can try to get the money
returned to your account, but it will
take a few days.
Remember that if this happens, the credit
provider is most often at fault, not your
Debt Counsellor.
The Debt Counsellor will assist you.

FREE BOOKLET
TO DOWNLOAD AND SHARE
How do you leave Debt Review?
How do you have the Credit Bureau remove
the Debt Review listing on your credit report?
Leaving Debt Review Is Not As Simple As To Simply Stop Paying.
Consumers can only leave the debt review process at certain times
and in certain ways.
This free e book will help you navigate this process and avoid many
of the common mistakes people make when wanting to leave debt
review.
If you are curious about how you can leave debt review properly and
with no risk to your assets then be sure to download and read this
free booklet
DOWNLOAD AND SHARE

HABIT
STACKING
THE ART OF ADDING
NEW GOOD HABITS
TO EXISTING ONES

HABIT STACKING
HOW TO PICK UP
GOOD
HABITS
If you struggle to implement new
‘good habits’ then you are not alone,
trying to pick up and maintain new
good habits is tough!
Repetition is key to developing new habits,
we can easily start a new good habit, skip it
a few times and then loose motivation and
momentum to keep it up.
How can we trick ourselves into keeping up
new positive habits?

HABIT STACKING
PUT IT ON
TOP
One tip is to piggy-back the new
habit onto an existing, already
ingrained one.
For example, you probably have the habit of
brushing your teeth before heading off to bed
at night. So, if your want to get into the habit
of taking a pill in the evening, putting the pill
bottle next to your toothbrush can be a great
way to add the new habit to an existing one.
If you go for a walk each day, but want to add
some stretching into your physical fitness
routine, then why not take a break half way
through your walk (or right after your walk) to
include a few minutes of stretching.
If you always check out your debt review
statement from your PDA immediately after
you receive it, then that might be a good time
to log into your banking app, and move your
small savings contribution into that savings
pocket each month.

If you enjoy having a special meal once a
month with the family (Pizza night or Sunday
lunch anyone?) then that is a good time to
include a short discussion about how your
budget and debt review are going. The new
but admittedly tough habit can get added to
the existing good time. This will help trick your
brain into associating the new habit with the
existing one.
Do you always spend time on Instagram in
bed before going to sleep? Why not add in
a few minutes of reading before you get too
tired?
You get the idea. Find times in your daily,
weekly or monthly routine when you regularly
repeat something and then tack the new
habit onto that existing routine. This will
make it much easier to be consistent and stay
motivated.
Why not try habit stacking in your life, and see
if it makes picking up a new good habit any
easier?

DEBT REVIEW
LESSON #3
If you are able to make a slightly larger
than planned payment towards your debt
each month, this can help speed up your
debt review (and can even save you lots in
interest over time).
Chat to your Debt Counsellor if it seems
this is something you can realistically and
consistently manage each month, while
still saving towards annual expenses and
an emergency fund.

THE TOP
DEBT COUNSELLORS
ANNOUNCED

Each year as we get closer to the day of the Debt
Review Awards the Peer Review Audit Team release the
names of the Top 10 Debt Counsellors as reviewed by
the credit provider Peer Reviews.
The Top 10 in 5 different size categories have been announced. Among
these Top 10 are the Top 5 and Highest rated practice* and the people
who will ultimately walk home with the 5 Golden Piggy Banks for Debt
Counsellors in 2022.
The Top 5 and highest rated practice will be announced live during the
Debt Review Award Show (be sure to read the article all about how
you can watch the show live in this issue). The Awards Show will be live
streamed between 3pm and 4pm on Friday 30th September.
* Debt Counsellors register with the NCR on a personal or individual basis unlike credit providers,
credit bureaus or PDAs. Though they may work together in an office under a united brand and
may have support staff, these support staff are not allowed to perform the functions of an NCR
registered Debt Counsellor. Each Debt Counsellor has an NCR issued Certificate which should
be shared with consumers when they are contacted. Traditionally, these are displayed in the
Debt Counsellors office for all to see. These can however be displayed on websites or emailed to
consumers these days. It is important for consumers to deal with and know their Debt Counsellor
well during their debt review.

TOP 10
BOUTIQUE
DEBT COUNSELLORS
Many Debt Counsellors operate on their own or with a small staff to
offer highly personalised service to a very select number of clients. In
alphabitcal order here are the TOP 10 Boutique Debt Counsellors:
Alsinah Chuene Mashiloane | Mashiloane Debt Counselling Services
Angela Marcell Crowder | Refine Debt Solutions
Catharina Elizabeth Webster | Debt Relieve
Johan Wepener | Johan Wepener Debt Counsellor
Lee Lombard | Garden Route Debt Counsellors
Marius Arnould Neethling | Ulwembu Debt Counsellors
Olivia Mocke | DebtCrew
Olwen Jacobs | Newlo Debt Counsellors
Petra Swanepoel | Streamline Debt Counselling
Sibongile Fihla | Credit Clear Remedy

TOP 10
SMALL DEBT
COUNSELLING
PRACTICES
These Debt Counsellors have small admin team that help them assist
more clients and often assist clients from a larger area than just their
home town or city. They strive to offer the best service and continue
to grow to assist more clients. In alphabitcal order here are the TOP
10 Small Debt Counselling Practices:
Anthony Mac Minn | 2nd Chance Debt Counsellors
Corrie Gouws | Mabcor
Gaynor De Kock | Debt Smart SA
Jacobus Stephanus de Vos | Complete Debt Counselling
Leandie Carina Brink | Gauteng Debt Counselling
Mark James Fulton | Consumer Relief
Shaun Zeelie | Master Your Money
Shimone Beckett | AC Debt Counsellors
Thomas Chauke | TP Debt Solutions
Wendy Angela Kaalsen | DS Administrators

TOP 10
MEDIUM DEBT
COUNSELLING
PRACTICES
These long established Debt Counselling Practices may have a few
Debt Counsellors who now pool their resources and experience to
assist a large number of clients across the country. The ability to help
hundreds of clients at the same time requires excellent organisation
and administrative processes. In alphabitcal order here are the TOP 10
Medium Debt Counselling Practices:
Annienne Nel | Consumer Debt Support
Anton Meiring | Debt Fresh
Awie Coetzee | SA Debt Help
Bernice Koekemoer | The Debt Experts
Cornel Strydom | Debt Review Centre
Eugene Cilliers | Pay Plan Solutions
Gerhard Stoltz | Gerhard Stoltz Debt Counsellors
Marius Coetzee | DRS
Nadia De Weerdt | Sandton Debt Counselling
Tania Dekker | Debt Free with Armani

STEP-BY-STEP
DREX GUIDE
DREX simplifies the exchange of data and makes managing the
debt review process less admin intensive.
The below links take you to step-by-step guides on how to use the
DC Portal on DREX.
How to Register on the DC Portal
Introduction to the DC Portal
Accessing a Consumer's Profile

TOP 10
LARGE DEBT
COUNSELLING
PRACTICES
Large Debt Counselling practices are able to assist many hundreds
or even thousands of clients at the same time by having many Debt
Counsellors working within the practice. Each Debt Counsellor
has access to a pool of admin support staff and brand resources.
Commonly these practices are operating across the country and
may have several branches where they are able to assist consumers
face to face if they wish (which is admittedly less popular these days
due to the pandemic and advances in technology combined with
consumer’s desire for convenience and privacy). In alphabitcal order
here are the TOP 10 Large Debt Counselling Practices:
Consumer Wise
Credit Matters
DCGsa
Debt Care
Debt Therapy
DebtLine
FDC (Freedom Debt Counsellors)
Meerkat
Summit Financial Partners
Vantage Debt Management

TOP 10
NATIONAL DEBT
COUNSELLING
PRACTICES
Some Debt Counsellors have progressively grown their debt review
practice over many, many years and been able to help many
thousands of clients. National debt counselling practices often have
dozens of NCR registered Debt Counsellors working together and
making use of the most advanced systems to care for hundreds of
new clients each month. They are well known and go to a lot of effort
to let consumers know about the debt review process. In alphabitcal
order here are the TOP 10 National Debt Counselling Practices:
CDC Experts
Debt Rescue
DebtBusters
Debtco Group
DebtSafe
NDA (National Debt Advisors)
NDC (National Debt Counsellors)
Octogen
Pioneer Debt Solutions
Zero Debt

WELL DONE TO THE TOP
DEBT COUNSELLORS
Congratulations to all these Debt Counsellors for
being recognised in this year’s Debt Review Awards by
their credit provider peers. There are over 1700 NCR
registered and hardworking Debt Counsellors in the
industry. To receive such high ratings among such
good company is no small feat. Well Done!
To find out which practices received the Top 5 and Highest ratings
be sure to catch the Debt Review Awards Show on 30th September
2022. Find out more here: wwww.debtreviewawards.co.za

ARE YOU READY
FOR THE
WWW.DEBTREVIEWAWARDS.CO.ZA

The 2022 Annual Debt Review
Awards show will be held on the 30th
September, Friday afternoon.
During the live stream of the Awards
Show, the results of industry peer
reviews will be announced and
hardworking Debt Counsellors, PDAs
and credit providers recognised.

WHAT ARE THE
DEBT REVIEW
AWARDS
Over the last 9 years, hard work and excellence in the
field of debt review has been recognised through the
annual Debt Review Awards.
There are plenty of hard working individuals, and entire departments,
who help consumers through their debt review journey. The Awards
are a way for the industry to show appreciation for all that hard
work.
Each year Golden Piggy Banks are awarded to these hard working
people, credit providers and DC practices. The Awards combine a
pat on the back and bragging rights for those who are putting their
heart and soul into making the industry better for consumers.

OUR AMAZING
SPONSORS &
SUPPORTERS
The organisers want to say a big thank you to the
various sponsors and supporters of the Awards
process. These brands and individuals help make the
process possible each year.
The Awards also partners with two brands for some unique Awards
each year. The Technology Adoption Award is organised along with
the assistance of Slipstream Software Solutions (the brains behind
DReX and Switch).
ONE are well known for their broad range of insurance offerings, and
their specialist offerings, in the debt review space. They help organise
two Awards recognising the hard work of individuals who work
within the industry. The Significant Contribution to the Debt Review
Industry and Significant Contribution to the Debt Review Process
are covetted awards that have been awarded to some of the hardest
working individuals in the industry over the years.
Partners like the various Debt Counsellors associations (DCASA,
NDCA, AllProDC, IDCC, BDCF) and others like MFSA, BASA members
and the PDAs such as Hyphen PDA, have helped spread the word and
ensured that registrants get a chance to participate.

The industry owes these brands a big thank you for their help in
making the Awards possible.

HOW ARE THE
RESULTS
DETERMINED
Many years ago, a panel of industry experts were asked
to help evaluate the top-performing candidates. The
workload soon grew exponentially, as the industry
expanded. For example, at present, there are over 1700
active registered Debt Counsellors on the National
Credit Regulator’s database.
It would not be easy for a small group to perform that many reviews.
Instead, for many years now, through the use of online software, the
results are essentially crowdsourced from across the industry.
Each year NCR Registrants have opportunities to review their NCR
registered peers working on the opposite side of the industry. This
is how companies and individuals get reviewed by hundreds of
participants each year. The results are processed and audited to reveal
who the highest rated across the industry is, in various categories.
For example, NCR registered Debt Counsellors get to weigh in about
credit providers who specialise in bonds and vehicles or retail or
short-term finance. NCR registered Credit providers get to review the
various NCR registered Payment Distribution Agents (PDAs) and the
Debt Counsellors they work with each day.

THE 2022
DEBT REVIEW
AWARDS SHOW
The Awards have been held for many years now and
traditionally only those who were nominees were
able to attend in person, to find out the results (due to
space and cost limitations). However, the organisers
have always wanted to include as many people as
possible, so with the increased ease of access to
broadcasting software and online platforms like
YouTube, we have achieved this.
For the past few years, online viewers have been able to join in the
fun and hear the results (live for the last 2 years). This year, people
across the internet will be able to watch the Awards show (and preshow
warm-up) live.
The Pre-Show
The Debt Review Awards Show | Pre Show will be streamed from 12
noon till 2:30 pm. It will feature interviews and discussions about the
insurance side of the industry, as well as its impact on consumers.
We will also be hearing from legal experts about various cases and
challenges they face. Some who work in the industry may even get to
see themselves on screen (IYKYK).

The Awards Show
The Awards show begins at 3 pm and runs for an hour. During
the show, we will hear one or two short speeches, watch a minidocumentary
about the debt review industry and find out about some
consumers who are having some of their debts written off.
The special category Awards will be announced during the first half
of the show.
We will then hear about changes to the peer review process this year,
and planned ones for next year before the results of the various peer
reviews are announced.
The program is designed to be shorter and faster this year. Overall
there will be less focus on live streaming the entertainment portion
of the event, and more focus on getting to the results. This should
allow more offices, across the country, to enjoy watching the results
together on a rather busy day of the month. An hour right near the
end of the work day is manageable for most offices.
There will be other activities before and after the live-streamed
Show for those nominees who were invited to attend in person, but
these will not be on stream. The focus of the live stream will be the
announcement of the Top 5 and highest rated.

HOW TO WATCH THE
AWARDS SHOW
If you would like to watch the Pre Show or the Awards
Show, you can do so on your phone, tablet, laptop,
Computer and some Smart TVs.
You have several options on how to access the information.
Visit www.debtreviewawards.co.za
You will be able to watch via the website.
Visit www.debtfreedigi.co.za
You will be able to watch via the website.
Watch on YouTube
On the day, you will be able to type: Debt Review Awards or Debt Review
Awards 2022 into the search and you will find the show or you can already
go over to the page where it will be streamed HERE and subscribe for
notifications so long. As always, there is no costs to watch (other than your
own data costs).
Social Media
We will also be posting Results, Pics and links via social media on Facebook,
LinkedIn and Instagram. You can search #debtreviewawards2022 for the
latest results.

No more debt-stress.
Let’s get it sorted.
We’ll get your interest rates right down. You’ll
make one consolidated payment a month. You’ll
have more cash to live on. Your assets will be
legally protected. Sorted.
0861 365 910
www.debtbusters.co.za
info@debtbusters.co.za
NCRDC2484