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Monday 08:00 - 16:00 Tuesday 08:00 - 16:00 Wednesday 08:00 - 16:00 Thursday 08:00 - 16:00 Friday 08:00 - 15:30

D & R Incorporated

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D & R Incorporated

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D & R Incorporated is a consulting and Debt management practice. We help people that are over-indebt

Our aim is to provide debt relief to private and corporate employee’s, particularly
with regards to financial rehabilitation. The South African Financial services arena
has recently seen an unexpected proliferation of products, which in its wake has
left a mass number of people in debt. These actions have increased the individual
person’s monthly spiral of debt, beyond their control. The credit facilities, easily
available to the majority of the lower and middle-income persons, have resulted in
an ever-increasing debt spiral. Their “take home” pay has in most cases fallen
below the bread line. The infrastructure, systems and software developed by
D & R Incorporated, positions the company as a revolutionary corporate gateway
to debt relief. Utilising an established network of associates and offices, we have
emerged as market leaders in this particular field of Administrators.

26/10/2026

💸 Payday shouldn’t feel like a countdown to zero.

Your salary comes in… and almost immediately, it starts going out.

Debit orders. Accounts. Garnishees. Creditors. Everyday expenses. And suddenly you’re trying to stretch what’s left until the next payday.

When debt starts controlling your salary, it may be time to change the way you’re managing it.

At D & R Incorporated, we help you find a way forward with debt solutions designed to ease the pressure and make your monthly repayments more manageable.

✔️ One affordable monthly payment
✔️ Assistance with garnishee orders
✔️ Protection from creditor harassment
✔️ A clearer path towards financial stability

Don’t spend another month dreading payday.

📞 078 922 5464
🌐 www.drincorporated.co.za
📧 [email protected]

DebtSolutions

23/10/2026

👻 DON’T LET DEBT HAUNT YOU THIS HALLOWEEN! 🎃

Ghosts, goblins and things that go bump in the night are one thing… but struggling to make it to payday? Now THAT’S scary! 😱

Whether you work in the private sector or government, financial stress doesn’t have to be your everyday nightmare.

At D&R Incorporated, we’re here to help you explore your debt relief options and work towards a little more peace of mind.

🟢 Free, confidential assessment
🟢 Professional debt assistance
🟢 Private & government employees welcome

📞 078 922 5464
📧 [email protected]

Let’s make your debt a little less frightening! 👻

21/10/2026

💙 THE PEOPLE BEHIND YOUR DEBT REVIEW

Debt review is more than just paperwork, payments and account balances. It’s about real people helping real people through financial challenges.

The 2026 Debt Review Awards brought together professionals from across South Africa, recognising their dedication to helping consumers work towards a brighter financial future.

🏆 But the biggest achievement isn’t taking home a trophy… it’s helping someone finally say:

“I AM DEBT FREE!” 🙌

At D & R Incorporated, we believe everyone deserves a chance at financial freedom. 💙

🔗 Read more: www.debtreviewawards.co.za

DebtRelief PeopleHelpingPeople

19/10/2026

BLACK FRIDAY IS COMING… BUT SO ARE YOUR BILLS! 💸

Black Friday is still a few weeks away, and before those big SALE signs start tempting you, here’s a little reminder from D&R Incorporated. 💚

A bargain isn’t a bargain if it puts you deeper into debt!

It’s easy to get caught up in the excitement of discounts, but remember, your debit orders, groceries, school fees and everyday expenses don’t disappear just because something is 50% off!

💚 Set a budget and stick to it.
💚 Don’t buy things you don’t need.
💚 Avoid using credit just because something is on special.
💚 Think about your December and January expenses before spending.

Don’t let one day of shopping turn into months of financial stress.

Already feeling overwhelmed by debt? D&R Incorporated is here to help you explore your options.

📞 078 922 5464
📧 [email protected]

16/10/2026

💚 PROTECT YOUR FINANCIAL FUTURE! 💰

Financial peace of mind starts with taking the right steps today!

Feeling overwhelmed by debt? Struggling to keep up with monthly repayments? You don’t have to face it alone.

At D&R Incorporated, we understand that life happens and financial challenges can affect anyone.

Our experienced team is here to help you explore your debt relief options, regain control of your finances and work towards a more secure financial future.

✅ Professional debt relief guidance
✅ Debt Review & Administration Orders
✅ Free, confidential assessments
✅ Personalised assistance

💚 Your financial future matters. Take the first step today!

📞 078 922 5464
📧 [email protected]

15/10/2026

Why Your Debt Counsellor May Be a Little Quiet on Friday

If you try to contact your debt counsellor on Friday afternoon, 16 October, you may find that their office is a little quieter than usual.

That is because people from across the debt review industry will be attending or watching the 2026 Debt Review Awards.

The annual Awards recognise debt counsellors, credit providers and others involved in debt review. They also provide a rare opportunity for people who work together throughout the year to meet face to face, recognise good service and strengthen working relationships.

The Awards will be livestreamed from 2pm, which means consumers can watch too.
You can follow the livestream on the Debtfree Magazine YouTube channel:
https://www.youtube.com/

Because many debt counsellors and their staff will be attending or watching, some offices may operate with fewer staff or close for part of Friday afternoon.

If you know you need help with something important, consider contacting your debt counsellor earlier in the day.

If you have to wait a little longer than normal for a reply on Friday afternoon, don’t panic. Normal service should resume after the event.
And while you wait, you are welcome to watch the Awards too.

14/10/2026

Your Financial Health Matters

We prioritise gym sessions, healthy meals, and self-care… but what about your finances?

Financial stress doesn’t just affect your bank account it affects your sleep, your mood, and your overall wellbeing.

The truth is… ignoring it won’t make it go away.

But taking that first step? That’s where things start to change.
You don’t have to navigate it alone. With the right guidance and support, a fresh start is possible.

✨ Take back control. Breathe a little easier. Start rewriting your financial story today.
💬 Free & confidential consultations available
📞 078 922 5464
🌐 www.drincorporated.co.za⁠

FreshStart DNRIncorporated

12/10/2026

💚 EVERY FAMILY DESERVES FINANCIAL PEACE OF MIND! 🏡

Life is expensive. Bills pile up, unexpected expenses happen, and sometimes, no matter how hard you work, there just never seems to be enough left at the end of the month.

But financial struggles don’t have to define your family’s future. 💛

At D & R Incorporated, we believe everyone deserves the opportunity to regain control, breathe a little easier and look forward to a brighter tomorrow.

We help South African families find practical, legal solutions to managing their debt, with professional guidance, understanding and complete confidentiality.

Because it’s not just about paying off debt. It’s about getting your peace of mind back, protecting your family’s future and feeling hopeful again.

✨ Your fresh start could begin with one conversation.

💬 Free, confidential consultation
📞 078 922 5464
🌐 www.drincorporated.co.za

DebtReview SouthAfricanFamilies

09/10/2026

A stronger business starts with financially healthier employees.

When employees are overwhelmed by debt, it can affect their focus, productivity, and overall wellbeing.

At D&R Incorporated, we offer confidential debt relief solutions that help your team regain financial stability benefiting both your employees and your business.

Invest in your people, and watch your business thrive.
📧 [email protected]
📞 078 922 5464

06/10/2026

⚠️ DEBT REVIEW SHOULD NEVER BE HIDDEN.

A recent case involving a debt counsellor being fined R1 million and having their registration cancelled sends an important message to consumers:

You have the right to know exactly what you are signing up for.

Debt review is a serious financial commitment and no consumer should be misled into entering the process without understanding what it means.

If someone contacts you promising to dramatically reduce your monthly debt repayments, there is one very important question to ask:

👉 “Is this debt review?”

For the right person, debt review can be a valuable way to regain control of overwhelming debt. It can reduce monthly debt repayments, provide a structured repayment plan and, in many cases, involve valuable interest-rate concessions from credit providers.

But it must be explained clearly, honestly and transparently from the start.

At D&R Incorporated, we believe good debt counselling starts with the truth. No tricks. No hidden process. No signing up without understanding what comes next.

📧 [email protected]
📞 078 922 5464

KnowBeforeYouSign

Address

35 Henrietta Street
Pietermaritzburg
3200

Opening Hours

Monday	08:00 - 16:00
Tuesday	08:00 - 16:00
Wednesday	08:00 - 16:00
Thursday	08:00 - 16:00
Friday	08:00 - 15:30

Website

http://www.drinc.co.za/

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