Financial Freedom is within reach

What is Debt Counselling?

Debt counselling is a regulated process that helps over‑indebted consumers restructure their repayments under the National Credit Act (NCA). We negotiate with your credit providers, reduce installments where possible, and protect you from legal action while you repay through an affordable, consolidated plan.

How we help you

- Free, no‑obligation assessment of your situation
- Negotiation with creditors for reduced installments and interest where possible
- One simplified monthly payment via an accredited distribution agency
- Legal protection from harassment and repossession once under debt review

Why choose
LUMUNOUS DEBT COUNSELLING

NCR‑registered debt counsellors focused on empathy, transparency and results. We tailor a repayment plan to your budget, provide ongoing support, and guide you until you receive your clearance certificate.

NCR Registration Number: NCRDC4616