The calls come to us. The plan comes from your budget.

One point of contact for every creditor, arrangements your month can actually carry, and everything in writing before you pay a cent.

What it is

Debt mediation is professional negotiation. We contact every creditor on your list, become the single point of contact for the calls and the letters, and work out payment arrangements or settlements built on what your month can actually carry.

It is direct and flexible: no court sets it up, no flag is placed on your credit record by the process itself, and arrangements bind because both sides agreed them in writing. It is also honest about its limits — a creditor doesn't have to say yes, and when one won't engage, you hear it from us plainly, with what it means for the plan.

Who it fits

People who are behind — or about to be — with income still coming in. If the calls have started, if five debit orders land on five different dates, if every month is a juggling act, mediation is usually the first conversation worth having.

It isn't for everyone. If no realistic budget covers your essentials plus anything meaningful toward the debt, we'll say so at the assessment and point you at the routes that fit that reality instead. A plan that can't be kept is worse than no plan.

How it runs

First, the free assessment: your income, expenses and every debt on one page, in confidence. Second, we contact every creditor — from that point the calls come to us. Third, we negotiate arrangements to your real budget and put every settlement and every fee in writing before you pay anything. Fourth, you make the payments directly and we stay on your file, keeping creditors to what was agreed.

Where the fees stand

The assessment costs nothing. If you go ahead, your fee is quoted in writing for your specific case before you commit — no percentages buried in arrangements, no surprises after the fact. If it isn't on paper, you don't pay it.

What we'll never promise

We won't promise that every creditor agrees, that interest disappears, or that legal action already underway simply stops — mediation is powerful, not magic. Anyone promising you certainty in this work is selling something. What you get from us is one point of contact, arrangements built on your written budget, straight answers, and every number on paper first.

Do I qualify

Check in 60 seconds.

A few taps. No documents, no obligation.

1 of 2

Roughly how much do you owe in total?

Across everything — your best guess is fine.

Nothing you tap here is stored. You choose what to send.

FAQ

Mediation, asked straight.

The questions we hear every week about this service — with the honest answers.

Negotiation, done professionally. We become the single point of contact for your creditors and work out payment arrangements or settlements built on your real budget. Every arrangement and every fee goes in writing before you pay anything. It is not the statutory debt review process — no court sets it up and no flag is placed on your record by the process itself.

Usually, yes — a workable arrangement beats an account stuck in collections, and creditors know it. But honesty matters here: a creditor doesn't have to agree, and mediation binds by agreement, not by court order. If one won't engage, we tell you plainly and map what that means for your plan.

Then that account is urgent — talk to someone today, us or an attorney, and don't ignore the papers. Mediation can still open a conversation with that creditor, but we won't pretend it gives you legal protection against action already underway. The sooner we see the summons, the more options stay open.

The assessment is free. If you go ahead, your fee is quoted in writing for your specific case before you commit to anything — and if it isn't on paper, you don't pay it.

Debt review is the formal statutory process under the National Credit Act, run by registered debt counsellors through the courts — powerful protection for the deeply over-indebted, but it flags your record and restricts new credit while it runs. It isn't a service we offer — though removal from it is. Consolidation is simply a new loan replacing old ones. Mediation is direct negotiation — flexible and informal, binding by agreement. Our guide on choosing between the three walks through who each fits.

Yes. Your employer isn't told, and we don't discuss your file with anyone who isn't part of resolving it. Your creditors obviously know they're dealing with us — that's the point.

That's normal — the situations overlap more than the labels suggest. Send us a WhatsApp in your own words, or take the 60-second check on the home page. The assessment is free and 'neither, actually' is an answer we're happy to give.