Debt Mediation
Our core service. We negotiate directly with your creditors to reduce your monthly obligations — no courts, no legal proceedings.
Learn More →South Africa's trusted Debt Mediation specialists. We negotiate directly with your creditors — no court, no legal proceedings, just a structured path to financial freedom.
Debt mediation is an alternative approach to managing and restructuring debt. It provides an opportunity for individuals to manage their debt without undergoing legal proceedings or court intervention.
Debt mediation can empower individuals to take control of their financial situation, reduce financial stress, and work toward becoming debt-free.
of South Africans' income goes directly to debt repayments. Debt mediation is the structured solution to break that cycle.
From your first assessment to full creditor negotiation, we handle every step of your debt mediation journey.
Our core service. We negotiate directly with your creditors to reduce your monthly obligations — no courts, no legal proceedings.
Learn More →A comprehensive review of your financial position to determine the best structured mediation strategy tailored to your situation.
Learn More →We engage directly with your creditors on your behalf to negotiate reduced payments, lower interest rates, and manageable timelines.
Learn More →Clear existing judgments from your credit profile through our legal and administrative judgment removal process.
Learn More →Already under debt review? We assess your situation and guide you through the correct process to have your debt review cancelled.
Learn More →Improve your credit score through structured mediation interventions and legitimate dispute resolution lodged directly with the credit bureaux.
Learn More →We decode your full credit report, explain every entry in plain language, and identify exactly what is affecting your score.
Learn More →Full support throughout every negotiation — we prepare, represent, and advise so you never face creditors alone.
Learn More →Identify which of your debts may be legally prescribed and manage them appropriately to reduce your total debt burden.
Learn More →No confusing legal jargon. No hidden steps. Just a clear, structured path to reclaiming your financial life.
Fill in our quick form or call us directly. We review your full financial picture — completely free, no obligation.
Our specialist team contacts your creditors and negotiates reduced payments, removed judgments, and realistic repayment plans.
With a structured mediation agreement in place, you pay one manageable amount and move steadily toward a debt-free life.
Lower My Debts is a Cape Town-based Debt Mediation specialist dedicated to helping South Africans reclaim their financial future. We believe no one should be trapped by debt — especially when there is a proven, legal, court-free path forward.
"Debt mediation is the core of our services, providing clients with a structured way to manage overwhelming debt. Through negotiations with creditors, clients benefit from lower monthly payments, reduced financial stress, and a clearer path toward financial stability."
"Given that some consumers allocate up to 78.2% of their income to debt repayments, this service offers a crucial alternative to help them regain control of their financial future."
We don't just reduce your debt — we give you your life back.
One free assessment is all it takes. No obligations, no court processes — just a clear plan built around your life.
Plain answers to the questions South Africans ask most about Debt Mediation.