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Debt Review vs Debt Settlement – Choosing the Right Path in South Africa

The Confusion Many South Africans Face
When you’re overwhelmed by debt, you’ll find many “solutions” advertised. Debt settlement companies may promise to slash balances, but these offers often come with high risks: damaged credit records, extra charges, or even asset loss.

Why Debt Review Stands Apart
Unlike settlement schemes, debt review is legal, structured, and backed by the National Credit Act. It was designed specifically to protect South Africans who can’t keep up with multiple repayments.

With Octogen’s debt review process:

  • Your monthly payments become manageable – one reduced installment.
  • Your credit score improves while you’re under review.
  • Your belongings are safe – debt review protects your home and car.
  • We negotiate for you – creditors deal with us, not you.

Why Octogen Is the Trusted Choice
Octogen has over two decades of experience, no upfront costs, and a track record of helping thousands of South Africans achieve debt clearance. Unlike risky quick-fix offers, we provide long-term, sustainable solutions.

 Take a breather from debt — start your free assessment.