Complete Debt Counselling

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We are excited to kick off our 𝑴𝒆𝒎𝒃𝒆𝒓 𝑺𝒑𝒐𝒕𝒍𝒊𝒈𝒉𝒕 series by introducing you to 𝐂𝐨𝐛𝐮𝐬 𝐃𝐞 𝐕𝐨𝐬 - our chapter's extremely knowledgeable Debt Counsellor.

Jacobus De Vos is the Director & Registered Debt Counsellor (NCRDC1310) of 𝗖𝗼𝗺𝗽𝗹𝗲𝘁𝗲 𝗗𝗲𝗯𝘁 𝗖𝗼𝘂𝗻𝘀𝗲𝗹𝗹𝗶𝗻𝗴 (𝗣𝗧𝗬) 𝗟𝘁𝗱 and he has been is business for the past 17 years.

Complete Debt Counselling specializes in helping consumers regain financial control through professional debt counselling and financial rehabilitation. Their services include debt restructuring, negotiating reduced interest rates, reducing monthly repayments, assistance with Clearance Certificates (Form 19), removal from debt review, credit profile assessments, and consumer financial education.

Cobus's favorite part of his job is helping people who feel overwhelmed by debt find relief, regain financial stability, and see the positive impact that proper financial guidance can have on their lives.

His key to the success is integrity, commitment to consumers, personalized service, and consistently providing professional guidance while following the National Credit Act and NCR requirements.

What sets your Complete Debt Counselling apart from others? With 17 years of experience as a registered Debt Counsellor, they focus on more than just reducing debt payments — they focus on protecting consumers, improving financial knowledge, and helping people build a stronger financial future. Their personal approach, experience, and commitment to each consumer make them different.

How long has Cobus been in BNI? 5 Years, 9 months!!

Why did he join BNI Assegai? To build strong relationships with like-minded business owners, create meaningful referral partnerships, and help grow a trusted network where businesses can support each other.

What 𝒌𝒆𝒆𝒑𝒔 you with BNI? The fact that members are held accountable.

What's the best business advice Cobus has ever received?
"𝐵𝑢𝑖𝑙𝑑 𝑟𝑒𝑙𝑎𝑡𝑖𝑜𝑛𝑠ℎ𝑖𝑝𝑠 𝑓𝑖𝑟𝑠𝑡. 𝐵𝑢𝑠𝑖𝑛𝑒𝑠𝑠 𝑓𝑜𝑙𝑙𝑜𝑤𝑠 𝑡𝑟𝑢𝑠𝑡."

Thank you Cobus for sharing a bit more about what makes your business an integral part of our BNI chapter

You can see more of what Complete Debt Counselling offers by liking and following their page.

Ready to grow your business and build lasting local connections? 📈

You are officially invited to the BNI Pelican Visitors Day! Come along to pitch your business, network with local owners over breakfast, and discover how a powerful referral network can fuel your growth.

Here are the details:
📅 Date: Wednesday, 15 July 2026
⏰ Time: 7:15 AM – 8:30 AM
📍 Venue: Umhlanga Apart Hotel
💵 Fee: R150 (payable on the day)

Spaces are limited, so don't miss out on the opportunity to lock out your competition.

👇 Want to join us?
Comment 'Networking' below or send us a DM, and we will send you all the details to secure your spot!

With Tamryn Miller – I just got recognized as one of their top fans! 🎉

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When bond repayments and rising living costs start to feel overwhelming, selling your home can seem like the only way out. But it isn’t always the right, or only, option.

In many cases, restructuring unsecured debt through debt counselling can reduce monthly pressure, improve cash flow, and help you keep your home while getting back on track financially.

Before making a big, permanent decision, it’s worth taking a step back and getting clarity.

Get a free, no-obligation check before you sell.

💬 WhatsApp at 081 729 8817 | 📞 Call us at 0315732398 | 🌐 www.completedebtcounselling.co.za

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Our Services
✔ Debt restructuring – Lower your monthly payments
✔ Negotiation of reduced interest rates
✔ Assistance with Clearance Certificates (Form 19)
✔ Removal from Debt Review
✔ Credit profile assessments

When debt feels overwhelming, the right support can make all the difference. The Debt Review process is designed to protect you, ease the pressure, and give you a clear path forward. Here’s what you gain:
✅ Legal protection from creditor action.
✅ Reduced monthly installments and interest rates.
✅ A structured, step-by-step plan to regain financial stability.

It’s more than just paying off debt — it’s about reclaiming your peace of mind, securing your income for everyday living, and knowing that there’s a legal framework working in your favour.

💬 WhatsApp at 081 729 8817
📞 Call us at 0315732398
🌐 www.completedebtcounselling.co.za

Debt addiction is real, and it often starts small.

That quick loan approval, the relief of extra cash, the temporary calm before the debit orders hit again. Then comes the stress, the guilt… and another loan to make it through.

It’s a cycle that’s hard to break — but not impossible.
Debt counselling can help you take back control by:
✅ Consolidating your repayments into one affordable monthly amount
✅ Lowering your interest rates and protecting you from legal action
✅ Giving you a structured plan toward financial freedom

If you’re relying on credit just to get through the month, it’s time to break the pattern — and we can help you do it safely and legally.

💬 WhatsApp at 081 729 8817 | 📞 Call us at 0315732398 | 🌐 www.completedebtcounselling.co.za

💸 When the last week before payday feels endless, you’re not alone.

Nearly half of South African salary earners have less than R1,000 left in their account a week before payday — and for many, debt repayments are the reason.

If your income disappears into debit orders, leaving you stressed and stretched thin, it may be a sign of over-indebtedness. But there is a way out.

Debt counselling can:
✔ Lower your monthly debt repayments
✔ Protect your assets from repossession
✔ Stop the creditor calls
✔ Give you breathing room to actually live again

Take back control of your salary — and your future.

Contact us on WhatsApp at 081 729 8817, call us at 0315732398, or visit www.completedebtcounselling.co.za.