ALRX Debt Consulting

ALRX Debt Consulting ALRX Debt Consulting provides a tailored and compassionate debt counselling service. We listen to your needs and prioritize them in everything we do.

Today we celebrate the dedication, resilience and hard work of every individual who builds creates and inspires.
01/05/2026

Today we celebrate the dedication, resilience and hard work of every individual who builds creates and inspires.

“Debt Counsellor Fined R90 000 for Signing Up a Consumer Who Did Not Qualify for Debt Review”Story here : https://debtfr...
02/04/2026

“Debt Counsellor Fined R90 000 for Signing Up a Consumer Who Did Not Qualify for Debt Review”

Story here : https://debtfreedigi.co.za/debt-counsellor-fined-r90-000/

As a registered and ethical debt counsellor, I am deeply concerned by reports that a practitioner has been fined R90 000 for placing a consumer under debt review despite the consumer not meeting the legal requirements for over‑indebtedness.

This conduct brings the debt counselling profession into disrepute and undermines public confidence in a system designed to protect vulnerable consumers—not exploit them.

Debt Review Must Be Lawful and Appropriate

Debt review is a regulated legal process under the National Credit Act and must only be applied where a proper financial assessment confirms genuine over‑indebtedness. A debt counsellor has a statutory duty to accurately assess a consumer’s income, expenses, and credit obligations, determine eligibility, and act in the consumer’s best interests—not for personal financial gain.

Enrolling consumers who do not qualify, whether through negligence or deliberate misconduct, is unethical and unlawful. Such actions may unnecessarily restrict a consumer’s credit profile, limit financial freedom, and cause avoidable legal, financial, and emotional stress.

Zero Tolerance for Rogue Debt Counsellors

This incident highlights that rogue operators exist within the industry—individuals who prioritise fees over consumer welfare. Ethical debt counsellors do not misrepresent eligibility, enrol consumers merely to generate fees, or withhold alternative solutions such as budgeting advice, debt restructuring outside debt review, or settlement options.

Warning to Consumers

Consumers are advised to verify that their debt counsellor is registered with the NCR, insist on a full affordability assessment, and question recommendations where debt review is presented as the only option.

Consumers have a right to transparency and informed consent. Any suspected misconduct should be reported to the National Credit Regulator or discussed with another registered professional.

Upholding the Integrity of the Industry

The vast majority of debt counsellors operate ethically and lawfully. While regrettable, this case demonstrates that regulatory oversight is effective and that misconduct will be detected and penalised.

As professionals, we share a responsibility to comply with the National Credit Act, educate consumers honestly, and report unethical behaviour.

Debt counselling exists to restore dignity and financial stability.
Consumers deserve honesty.
The industry demands accountability.
Unethical conduct must be called out—every time.

09/03/2026

We are a Professional Debt Management & Restructuring Services
With over 10 years of professional experience in debt management and restructuring, we provide expert, ethical, and client-focused financial solutions.
Our Areas of Expertise
Credit Analysis
Debt Analysis
Debt Management & Restructuring
Asset Protection
Credit Bureau Disputes
Consumer Protection

Email: [email protected]

02/03/2026

Debt Counsellors presented with a way to help consumers who have paid up their debts: https://buff.ly/24cI6QC

In the heart of an industry-wide frustration over the NCR's Debt Help System being offline, plans with the Credit Bureau Association have been accelerated to offer consumers who have finished paying up their debts a way to get their clearance certificates.

24/02/2026

Professional Debt Management & Restructuring Services
With over 10 years of professional experience in debt management and restructuring, we provide expert, ethical, and client-focused financial solutions.
Our Areas of Expertise
Credit Analysis
Debt Analysis
Debt Management & Restructuring
Asset Protection
Credit Bureau Disputes
Consumer Protection

—

Free 1-Hour Financial Assessment Includes
✅ A copy of your credit report�✅ Credit score and risk analysis�✅ Over-indebtedness assessment in accordance with Regulation 24 of the National Credit Act (NCR), based on your income and living expenses�✅ Professional advice and recommendations from a registered debt counsellor�✅ An opportunity to raise any questions or concerns you may have

—

Knowledge is power. Equip yourself today and take control of your financial future.
📧 Email: [email protected]

09/02/2026

See Important message from the Debt Counsellors Association of South Africa (DCASA)

Dear Debt Counsellors & Consumers

At the end of last week, we received **𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝗹 𝗳𝗲𝗲𝗱𝗯𝗮𝗰𝗸** indicating that the DHS system is expected to be restored during **“𝘁𝗵𝗶𝘀 𝘄𝗲𝗲𝗸”**, and that a guideline would be issued. However, to date, **𝗻𝗼 𝗳𝗼𝗿𝗺𝗮𝗹 𝗴𝘂𝗶𝗱𝗲𝗹𝗶𝗻𝗲 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝗿𝗲𝗰𝗲𝗶𝘃𝗲𝗱 𝗳𝗿𝗼𝗺 𝘁𝗵𝗲 𝗡𝗖𝗥**.

Please note that DCASA has submitted a **𝗳𝗼𝗿𝗺𝗮𝗹 𝗹𝗲𝘁𝘁𝗲𝗿 𝘁𝗼 𝘀𝗲𝗻𝗶𝗼𝗿 𝗺𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 𝗮𝘁 𝘁𝗵𝗲 𝗡𝗖𝗥** requesting urgent feedback and guidance regarding the DHS system shutdown. While the letter has been acknowledged, **𝗻𝗼 𝗱𝗶𝗿𝗲𝗰𝘁𝗶𝗼𝗻 𝗵𝗮𝘀 𝗯𝗲𝗲𝗻 𝗽𝗿𝗼𝘃𝗶𝗱𝗲𝗱 𝗼𝗻 𝗵𝗼𝘄 𝗱𝗲𝗯𝘁 𝗰𝗼𝘂𝗻𝘀𝗲𝗹𝗹𝗼𝗿𝘀 𝘀𝗵𝗼𝘂𝗹𝗱 𝗺𝗮𝗻𝗮𝗴𝗲 𝘁𝗵𝗲 𝗽𝗿𝗮𝗰𝘁𝗶𝗰𝗮𝗹 𝗰𝗼𝗻𝘀𝗲𝗾𝘂𝗲𝗻𝗰𝗲𝘀 𝗼𝗳 𝘁𝗵𝗲 𝘀𝘆𝘀𝘁𝗲𝗺 𝗯𝗲𝗶𝗻𝗴 𝘂𝗻𝗮𝘃𝗮𝗶𝗹𝗮𝗯𝗹𝗲**.

We fully understand your **𝗳𝗿𝘂𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻** and want to assure you that we **𝘀𝗵𝗮𝗿𝗲 𝘆𝗼𝘂𝗿 𝗰𝗼𝗻𝗰𝗲𝗿𝗻𝘀**. We are actively exploring whether a **𝘁𝗲𝗺𝗽𝗼𝗿𝗮𝗿𝘆 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻** can be identified to assist members; however, without formal guidance from the NCR, this remains challenging.

Please **𝗯𝗲𝗮𝗿 𝘄𝗶𝘁𝗵 𝘂𝘀** during this time. As soon as we receive any further updates or guidance, we will **𝗰𝗼𝗺𝗺𝘂𝗻𝗶𝗰𝗮𝘁𝗲 𝘁𝗵𝗶𝘀 𝗶𝗺𝗺𝗲𝗱𝗶𝗮𝘁𝗲𝗹𝘆**.

Be careful out there…
01/02/2026

Be careful out there…

13/01/2026

😬 Avoiding your banking app won’t make it go away…
If another loan feels like the only option to survive the month, it might be time to consider debt counselling. We have registered debt counsellors available nationally who can help you get back on track.
Find one here: https://www.dcasa.co.za/debt-counsellor-near-me/

Address

The Colosseum. Foyer3 . 1st Floor . Century City
Cape Town
7441

Opening Hours

Monday 08:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 09:00 - 15:00

Telephone

+27873797085

Website

https://www.alrx.co.za/our-professional-expertise/

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