Debt Counselling
Guidance to help you manage and restructure your debt responsibly.
Trusted Debt Specialists Since 2019
Better future with us
Stuck under debt review? We help qualifying South Africans exit legally, improve their credit, and move forward — privately, and without the paperwork.
Free · Private & Confidential · No paperwork · Takes 2 minutes
“Every step with Megawatt is a step upward and forward — out of debt review, toward a stronger financial position.”
Since 2019Trusted debt specialists
NCRDC4526Registered NCRDC No.
Private & ConfidentialYour details stay protected
No PaperworkTakes 2 minutes to start
Why Megawatt
A legal exit route — not another year stuck in debt review
Megawatt Finance Solutions is a Polokwane-based debt counselling and debt review company. Many South Africans remain stuck under debt review even after their finances improve.
Megawatt helps qualifying clients exit debt review legally and correctly, so they can move forward again — apply for credit, buy a home, and regain control. Since 2019, the team has supported clients through a process that is clear, confidential, and low-friction, explained in plain language rather than legal jargon.
We’re an approachable, confidential, and efficient alternative to the stress and stigma of being “stuck.” The brand promise — Better future with us — frames every client interaction as a step upward and forward.
What makes Megawatt different
- Licensed & registered — operating openly since 2019, NCRDC Reg No: NCRDC4526.
- A simple 4-step process — explained in plain language, start to finish.
- Confidential & low-pressure — private throughout, with no obligation to continue.
- Accessible — free assessments, WhatsApp-first contact, no paperwork friction.
Our values
Honesty
Straight answers about what is and isn’t possible — never a false promise.
Transparency
Clear pricing and a clear process, with no hidden steps along the way.
Integrity
We do what is right for you, and stay within the law, every time.
Partnership
We work alongside you, at your pace, until you are moving forward.
Simplicity
Plain language and a light-touch process, free of paperwork friction.
Relevance
Guidance matched to your real situation and what matters to you now.
Services
How we help you move forward
Whatever is holding your credit profile back, there is a clear, legal route to address it.
Debt Review Removal
Legally exit debt review once you qualify, so you can apply for credit again.
Credit Score Improvement
Practical steps to rebuild and strengthen your credit profile.
ITC Clearance
Resolve negative ITC listings holding your credit profile back.
Admin Removal
Legally remove administration orders once qualifying conditions are met.
Judgement Removal
Have qualifying judgements against your name removed.
Garnishee Order Removal
Assistance addressing and removing garnishee orders on your salary.
Fraud Listing
Support resolving fraudulent listings affecting your credit record.
How It Works
Four clear steps, handled with you
Free assessment → check eligibility → legal removal handled for you → updated credit profile.
1
Free assessment
We review your current debt review status — free, private, and with no obligation.
2
Check eligibility
We confirm whether you qualify for removal based on your circumstances.
3
Legal removal handled
The removal process is managed for you, correctly and lawfully, start to finish.
4
Credit profile updated
Once removal is complete, your credit profile is updated so you can move forward.
Who This Helps
You may qualify for assistance
Are you behind on payments, receiving collection calls, or facing repossession threats? You don’t have to stay stuck. Start your free debt assessment now.
- Behind on your monthly payments
- Receiving collection calls or letters
- Facing repossession threats
- Still under debt review after your finances improved
Refer & Reward
Your network has value
Connect someone to the right financial solution, create an opportunity, and get rewarded.
Connect
Introduce someone you know who is struggling with debt.
Create an opportunity
We give them a free, confidential assessment.
Get rewarded
When they come on board, you receive your reward.
Your Referral. Their Solution. Your Reward.
Refer via WhatsAppFAQ
Common questions
What is debt review, and how do I know if I’m still under it?
Debt review (debt counselling) is a legal process that restructures your monthly debt payments and protects you from creditors while you pay. If a debt counsellor arranged reduced payments for you, or a “debt review” flag appears on your credit report, you are likely still under it. A free assessment will confirm your exact status.
How do I know if I qualify to exit debt review?
Eligibility depends on your circumstances — for example, whether your finances have recovered, the status of your accounts, and whether a clearance certificate can be issued. During the free assessment we review your situation and tell you honestly whether removal is possible.
Is my information kept confidential?
Yes. Every enquiry is private and confidential. We only use your details to assist with your enquiry, in line with POPIA, and we never share them without your consent.
How long does the removal process take?
Timelines vary depending on your circumstances and how quickly documents and credit bureau updates are processed. Once we assess your case we can give you a realistic time estimate for your situation.
Does this cost anything to start?
The initial assessment is free and comes with no obligation. If you choose to proceed, we’ll explain any costs clearly and upfront before you commit to anything.
What happens to my credit profile after removal?
Once removal is complete, the debt review flag is cleared from your credit profile with the bureaus. You can then apply for credit again, and we can guide you on practical steps to keep rebuilding your score.
Free Assessment
Start your free debt assessment
Send us a few details and we’ll come back to you. Prefer to talk now? Use WhatsApp or call us directly.