Control your Salary — Without Debt Review

Lower Payments. Better Credit. Real Relief.

Tired of drowning in debt every month? Our SCORE FIX PLAN helps reduce your monthly payments, improve your credit score, and unlock access to Booster Loans — all without the limitations of Debt Review.

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35+ YearsBuilding trust through efficient results

2,000+Clients Helped

No Upfront FeesTransparent, results-first approach

Why Choose Debt Winner?

Unlike traditional Debt Review, our Attorney-Led Score Fix Plan reduces your payments while rebuilding your credit score. Access Booster Loans to speed up recovery. Many clients use Rehabilitation Loans where the proceeds cover the Score Fix instalment each month. (T&Cs apply)

One affordable, consolidated instalment
No Debt Review listing — keep your dignity
Attorney negotiation & strategy on your behalf
Pathway to qualify for credit again

How it works

Consultation & Assessment

Our team evaluates your financial situation.

Custom Score Fix Plan

Attorneys restructure your debt into a single, lower instalment.

Improve Your Credit Score

Regain stability while your score recovers month by month.

Access Booster Loans

Use Rehabilitation Loans to cover your Score Fix instalment. (T&Cs apply)

Frequently Asked Questions

There is NO fixed period - it is NOT Debt Review You may EXIT any time you like If you have a special GOAL, ie. want to buy a CAR, we can give you an estimate of the time it will require to qualify

We DON`T ask for a DEPOSIT We DON`T ask UPFRONT Fees ALL Fees are included in your Score Fix Instalment - so you NEVER have to worry about how you are going to pay our Fees The FEES depend on the amount of ACCOUNTS. The amounts are disclosed in the MANDATE

First we investigate ALL your Accounts for compliance with the the NCA (Credit Act) i.e interest; prescription; reckless lending; etc. etc This process normally takes 3 to 6 weeks. Meaning payments to Creditors can only commence after payment of your 2nd Score Fix Instalment The 1st Instalment are therefore normally used towords Costs

It is NOT Debt Review - so we DON`T include your spouse However, your spouse is welcome to join the Program any time

We DON`T include CAR + HOME Loans Why not? Because we want you to pay 100% of your CAR or HOME LOAN Instalments PLUS - it is VERY GOOD for your CREDIT SCORE. Don`t worry - we will make sure you have enough money to pay these Instalments every month

We DON`T include Cellphone accounts We DON`T include Fees for Security Services We DON`T include Municipality Accounts

You may keep your Clothing Accounts In fact, it is VERY GOOD for your Credit Score

Yes you may As long as you are able to AFFORD the Instalments every month

There is NO catch We will NOT trick you into Debt Review for instance. In fact, the MANDATE specifically address these concerns. Furthermore, we DON`T collect money from Customers. All monies are paid into the Trust Bank Account of the Attorneys who will be in charge of your SCORE FIX PLAN

All our Service Providers are duly registered with the relevant governing bodies. You will receive a copy of the Fidelity Fund Certificate of the Attorneys. You therefore have the protection of the Attorney Fidelity Fund to ensure that your money is handled in accordance with your MANDATE. PLUS all our Service Providers have SARS clearance.