Lower My Debts was founded with a single conviction: that South Africans deserve a path out of overwhelming debt that doesn't drag them through court, doesn't shame them, and doesn't leave them worse off than when they started.
From our office at 38 Wale Street in Cape Town, our specialist team works directly with creditors on behalf of clients across the country — restructuring obligations, removing judgments, and giving people back the dignity of a manageable financial life.
We are not a debt review company. Debt mediation is a fundamentally different, voluntary, out-of-court process — and it is the only thing we do.
Your financial situation stays between us. Every conversation, every document, every negotiation is protected.
We give you knowledge, tools, and negotiating power — so you walk out understanding your situation, not dependent on us.
No hidden fees. No false promises. We explain every cost up front, and we only earn once we deliver a plan you approve.
Your free assessment is one form away. We'll be in touch within 24 hours with a clear, structured plan.
