FixaZaka
Eyakho, Thuthuka

Debt eating your pay? See where you stand in seven questions.

Seven short questions, then your result right here on the screen. Your name and number come later, and only if you'd like someone to phone you.

  • Takes about a minute. Tap your answers, nothing to type.
  • Your credit record is not touched by this check.
  • If debt review is not right for you, we tell you straight.

FixaZaka is a financial wellness company and not a debt counsellor. When debt review looks like a fit, we put you in touch with My Debt Hero in Paarl, a debt counselling practice registered with the National Credit Regulator.

Three steps

Your answer comes first. Whether we call is up to you.

  1. Tap through seven questions

    Your province, how the repayments are going, about how much you owe and what your household brings in. A good guess is enough.

  2. See your result

    It shows on screen immediately, with the downsides stated plainly. You don't give contact details to see it.

  3. Decide what's next

    Request a call from My Debt Hero, or just close the page.

Debt review in plain words

What debt review can do for you, and what it will cost.

What you get

  • One lower monthly repayment in place of many, set to fit your budget.
  • A debt counsellor who negotiates lower interest rates with your credit providers.
  • Your counsellor deals with your creditors for as long as the plan runs.

What you don't get

  • A write-off. You still repay what you owe, usually over a longer time.
  • A clean credit record. Debt review is noted on your profile, and new credit is off the table until you receive a clearance certificate.
  • A free service. Debt counselling fees apply and form part of your repayment plan.
  • Cover for every account. Accounts where legal action has already begun may be left out.

Who is behind this

We refer you, and we're open about how that works.

FixaZaka helps South Africans make sense of their money and find the right kind of help. We are not a debt counsellor and we do not lend money.

If your result points to debt review and you request a call, your answers and contact details go to our debt counselling partner, registered with the National Credit Regulator: .

The money check costs you nothing. My Debt Hero may pay FixaZaka a fee for the referral. That fee never changes what you pay the debt counsellor.

Good questions

Will this check hurt my credit score?

No. These seven questions are not a credit check, and nothing goes to a credit bureau. Debt review itself, if you choose it later, is recorded on your credit profile until you are cleared.

What will I pay?

The money check and the first call are free, and you are not obliged to go further. If you choose debt review, the debt counsellor's fees are built into your monthly repayment. Your counsellor must explain those fees before you sign anything.

Who gets to see my details?

FixaZaka and, only after you tick the consent box, My Debt Hero in Paarl. No one else. The privacy notice explains how to have your details removed.

I'm already under debt review. Now what?

You cannot begin a second debt review. Start with your current debt counsellor. If you are unhappy with them, the National Credit Regulator handles complaints.

What if I'm not earning right now?

Debt review depends on a regular income to cover the reduced repayments, so it won't fit yet. Your result shows you where to find free help instead.

Can I ask you to stop contacting me?

Yes, whenever you like. Reply STOP on WhatsApp or tell the person who calls, and we remove your details.

Seven questions. One straight answer.

Start my money check