Debt mediation
Behind on payments and carrying five sets of calls? We become your one point of contact and negotiate arrangements your real budget can carry.
How mediation works →
Debt mediation & review removal · Cape Town
Take backyour month.
One point of contact for your creditors, arrangements built on your real budget, and everything in writing before you pay anything — whether you need mediation, or a proper way out of a debt review you’ve outgrown.
Free, confidential assessmentEverything in writingCape Town
What changes
One negotiator. One plan you can keep to.
Five accounts, five debit dates, five sets of calls — with one negotiator between you and your creditors, they become one plan built on what your month can actually carry.
Credit cardDue 1stR3 450
Personal loanDue 3rdR4 200
Vehicle financeDue 7thR5 100
Store accountDue 15thR850
OverdraftDue 25thR600
One repayment
R14 200a month
one plan · one point of contact
Before: R14 200 across five accounts
That’s R5 800 back in your month.
Illustrative example. Every plan depends on your assessment; outcomes vary.
Credit cardDue 1stR3 450
Personal loanDue 3rdR4 200
Vehicle financeDue 7thR5 100
Store accountDue 15thR850
OverdraftDue 25thR600
One repayment
R8 400a month
one plan · one point of contact
Before: R14 200 across five accounts
That’s R5 800 back in your month.
Illustrative example. Every plan depends on your assessment; outcomes vary.
What we do
Two ways out of the pressure.
Your creditors deal with us.
One point of contact instead of five. From the day we take your file, the calls and the letters come to us — and we answer them.
Payments negotiated to your real budget.
We sit with your actual income and expenses, then negotiate payment arrangements your month can genuinely carry.
Everything in writing before you pay a cent.
Every settlement, every arrangement, every fee — on paper in front of you first. If it isn't in writing, you don't pay it.
Stuck with a debt review flag you've outgrown?
There is a court route to remove it, properly. We check your eligibility first and give you a straight answer either way — before any fees.
Do I qualify
Check in 60 seconds.
A few taps. No documents, no obligation.
1 of 3
Which sounds like you?
Nothing you tap here is stored. You choose what to send.
How it works
Two routes, both in the open.
Whichever fits, you see every number in writing before anything is signed — and you get a straight answer even when the answer is “this isn’t for you.”
Debt mediation
Step 1: Free assessment
we listen first
Your income, expenses and every debt on the table — and a plain answer on whether mediation can help.
Step 2: We contact every creditor
one point of contact
From here the calls and letters come to us. You deal with one person: yours.
Step 3: A negotiated plan, in writing
numbers on paper
Payment arrangements built on your real budget — every settlement and every fee in writing before you pay anything.
Step 4: You pay direct, pressure off
you stay in control
You make the payments; we stay on your file and keep creditors to what was agreed.
Debt review removal
Step 1: Eligibility check, straight answer
before any fees
Not everyone qualifies, and we say so plainly. You hear where you stand before anything is signed or paid.
Step 2: Court application, prepared for you
handled for you
Removal runs through court. We prepare the application and keep you informed at every stage.
Step 3: The court decides; bureaus updated
the record follows
If the court grants the order, the credit bureaus are updated to reflect it.
What it costs
In writing, before you commit.
You will never discover a fee after the fact. If it isn’t on paper in front of you, you don’t owe it.
1. The assessment is free
Income, expenses, every debt, your options — a full picture and a straight answer, at no cost and no obligation.
2. Mediation, quoted in writing per case
No two files are the same, so we quote yours before you commit — in writing, with nothing hidden inside the arrangements.
3. Removal, quoted after the eligibility check
First we confirm the court route is genuinely open to you. Only then do you get a written quote — and you decide.
No surprises is the whole point of hiring us.
Why K&Y
Small enough to know your name.
One negotiator, start to finish
The person who assesses you is the person who talks to your creditors and answers your calls — not a call centre queue.
Cape Town, in person or on WhatsApp — your choice
Sit down with us over coffee, or handle everything from your phone. Both work.
No judgement
Plain answers and real numbers before you commit. No lectures — just what your options actually cost.
What clients tell us
After the first message.
Example reviews to show layout. Replaced with K&Y's real Google and HelloPeter reviews at launch.
The calls stopped once they took over my file. I wish I'd sent that first message sooner.”
They showed me the numbers in writing before I signed anything. No pressure, just a plan.”
I was ashamed to ask for help. Not once did they make me feel judged.”
Guides
Read before you decide.
Contact
Talk to us. The first conversation is free.
Free and confidential, on your terms — message first if that's easier.
WhatsApp us
Message any time — we reply during office hours.