Scores reflect the Overall AI Score for each category
Based on recent customer reviews, Zero Debt is described as a debt review provider whose named consultants carry the experience. Customers consistently praise patient, non-judgemental guidance in Customer Service & Professional Guidance (4.6) and fast, structured onboarding in Process Efficiency & Turnaround (4.5). A recurring theme is quick callbacks and clear explanations, though a minority describe emails going unanswered once their file is in progress.
Top Strengths:
- •Customer Service & Professional Guidance: Consultants such as Masetshaba, Willem, Rochelle, Bongie, Patience and Jennifer are named repeatedly as patient, kind and knowledgeable. Customers describe dignity being preserved, jargon translated into plain language, and staff assisting after hours or walking to other departments.
Replied to 100% of negative reviews
Reply time on negative reviews: 12h
TrustIndex
8.1
Ranking
#12
in Debt Management
Reply Time
2593h 32m
NPS Score
86
Recommended: Very Likely
Replied to 100% of negative reviews
Reply time on negative reviews: 12h
Nov '25 - Oct '26
Frequently Asked Questions About Zero Debt
What do customers say about Zero Debt?
Based on recent customer reviews, Zero Debt is described as a debt review provider whose named consultants carry the experience. Customers consistently praise patient, non-judgemental guidance in Customer Service & Professional Guidance (4.6) and fast, structured onboarding in Process Efficiency & Turnaround (4.5). A recurring theme is quick callbacks and clear explanations, though a minority describe emails going unanswered once their file is in progress.
What is Zero Debt's biggest strength?
Zero Debt's biggest strength, according to Hellopeter's AI analysis, is Customer Service & Professional Guidance. Consultants such as Masetshaba, Willem, Rochelle, Bongie, Patience and Jennifer are named repeatedly as patient, kind and knowledgeable. Customers describe dignity being preserved, jargon translated into plain language, and staff assisting after hours or walking to other departments.
What are the most common complaints about Zero Debt?
The most common complaint about Zero Debt, based on Hellopeter's AI analysis of recent customer reviews, is Communication & Responsiveness. Callbacks within minutes and same-day replies dominate, but a recurring friction point is communication tapering off mid-journey, with emails unanswered for months and one consultant described as replying days later and not returning calls.
How does Zero Debt compare to other Debt Management companies?
Zero Debt scores 4.5 out of 5 on Hellopeter's AI analysis of service quality in Debt Management, compared to the Debt Management industry average of 3. Their strongest theme is Consultant Quality (4.6); their weakest is Communication (4.3). The top AI-rated Debt Management business on Hellopeter is FDC Group (4.5). How is the AI Score calculated? →
Is Zero Debt trustworthy?
Zero Debt has a TrustIndex of 8.1 out of 10 on Hellopeter, based on 130 reviews in the last 12 months. They reply to 100% of negative reviews, typically within 12 hours. Hellopeter has tracked Zero Debt across 436 total reviews. How is the TrustIndex calculated? →
Recent reviews (130)
Used this business recently? Share your experience to help others decide.
Used this business recently? Share your experience to help others decide.
Share Your Experience1 reviews | Active since Jun 2014
I need things to be sorted out
I contacted Zero debt for help regarding my debt..... My main concern being my vehicle as i have 2 children. And a work to get to(their father passed away with no policies to help me,leaving me the only bread winner). They promised to help me... Informed me that my first 2 payments will go towards lawyers etc. 3rd month my installments was given to lawyers costs again,with no payment going to my vehicle.... I was given an installment arrangement whereby i was phoned saying it needs to be increased for my creditors to accept.....i did as they asked.this was the 2nd month) leaving me now again with very little to buy food... Now 3rd month wesbank phones me saying 60 business days is passed after i WhatsApp Zero debt on numerous occasions..... Wesbank tells me they never handed in the 2nd proposal....Zero debt replied that they will pay wesbank the money outstanding to keep them from taking my vehicle....when the attorneys pay them the money back....its now been 4 business working days since and nothing has happened....seems like they are ignoring my *** and *** saying they are awaiting lawyers to pay and then they can pay wesbank.... tomorrow my 4th installment is going off ..... Its been such a stressful weekend and in the beginning they promised i wont lose my vehichle....now its being said they cant guarantee i will not lose my vehicle ..... I dont know what to do....wesbank is on my case and zero debt just say they know its stressful but everyone has a job to do and they wait for the attorneys to release the money.....if i lose my vehicle they made their money and im the one lost putting my faith and trust in zero debt with 2 children looking me in the eyes
1 reviews | Active since Jun 2014
I need things to be sorted out
I contacted Zero debt for help regarding my debt..... My main concern being my vehicle as i have 2 children. And a work to get to(their father passed away with no policies to help me,leaving me the only bread winner). They promised to help me... Informed me that my first 2 payments will go towards lawyers etc. 3rd month my installments was given to lawyers costs again,with no payment going to my vehicle.... I was given an installment arrangement whereby i was phoned saying it needs to be increased for my creditors to accept.....i did as they asked.this was the 2nd month) leaving me now again with very little to buy food... Now 3rd month wesbank phones me saying 60 business days is passed after i WhatsApp Zero debt on numerous occasions..... Wesbank tells me they never handed in the 2nd proposal....Zero debt replied that they will pay wesbank the money outstanding to keep them from taking my vehicle....when the attorneys pay them the money back....its now been 4 business working days since and nothing has happened....seems like they are ignoring my *** and *** saying they are awaiting lawyers to pay and then they can pay wesbank.... tomorrow my 4th installment is going off ..... Its been such a stressful weekend and in the beginning they promised i wont lose my vehichle....now its being said they cant guarantee i will not lose my vehicle ..... I dont know what to do....wesbank is on my case and zero debt just say they know its stressful but everyone has a job to do and they wait for the attorneys to release the money.....if i lose my vehicle they made their money and im the one lost putting my faith and trust in zero debt with 2 children looking me in the eyes
1 reviews | Active since May 2024
Paying for services I didn't receive and being delayed my clearance
I am writing this because it's clear that since I am not an active client on their books, although I am still registered with them, they are really non-challant. I was issued a *** in 2022. Since then I have been sorting out my accounts directly with CPs. Before settling my final account , I emailed them to state such so that they are prepared to issue my clearance certificate. I then sent my final paid up letter and am now being delayed further by charges they want to slap me with although I've done all the work (liaising, collecting letters etc) myself. Legally they cannot request a fee for work that has not been done, and legally the clearance is supposed to be issued for free given that admin fees were paid when I made use of their services. I am now being told I need to pay and then I need to wait 10-15 days for my clearance, when in essence as per the NCA they have 7 working days to issue my clearance and update the DHS system as well as sent this to all bureaus, from the date I supp**** my last paid up letter. We are on business day 3, best believe when day 7 hits, I am hitting send on my already drafted complaint to the NCR.
1 reviews | Active since May 2024
Paying for services I didn't receive and being delayed my clearance
I am writing this because it's clear that since I am not an active client on their books, although I am still registered with them, they are really non-challant. I was issued a *** in 2022. Since then I have been sorting out my accounts directly with CPs. Before settling my final account , I emailed them to state such so that they are prepared to issue my clearance certificate. I then sent my final paid up letter and am now being delayed further by charges they want to slap me with although I've done all the work (liaising, collecting letters etc) myself. Legally they cannot request a fee for work that has not been done, and legally the clearance is supposed to be issued for free given that admin fees were paid when I made use of their services. I am now being told I need to pay and then I need to wait 10-15 days for my clearance, when in essence as per the NCA they have 7 working days to issue my clearance and update the DHS system as well as sent this to all bureaus, from the date I supp**** my last paid up letter. We are on business day 3, best believe when day 7 hits, I am hitting send on my already drafted complaint to the NCR.
1 reviews | Active since Oct 2018
Very happy customer
When I first researched a debt counselling company that is reliable, Zero Debt was rated at number one and I can see why. They are very well organised, reliable, transparent, honest, very compassionate and professional. I want to send a special thank you to Bongiwe Zali-Jack, with whom I started this whole process. She always responded to all my queries politely and professionally and also a very special thank you to Shemeas for keeping me upto date with the negotiations. I will recommend this company 100%.
1 reviews | Active since Oct 2018
Very happy customer
When I first researched a debt counselling company that is reliable, Zero Debt was rated at number one and I can see why. They are very well organised, reliable, transparent, honest, very compassionate and professional. I want to send a special thank you to Bongiwe Zali-Jack, with whom I started this whole process. She always responded to all my queries politely and professionally and also a very special thank you to Shemeas for keeping me upto date with the negotiations. I will recommend this company 100%.
1 reviews | Active since Oct 2020
Zero Debt has been absolutely phenomenal with my journey to becoming debt-free
Zero Debt has been absolutely phenomenal with my journey to becoming debt-free. Pumza was my debt consultant and she has been nothing short of exceptional. Her continuous communication with me has been such a comfort in knowing that she is with me every step of the way, ensuring that all my documents and all the procedures are taken care of. I couldn't recommend her and Zero Debt more! If you're struggling with your debt, definitely go with this business - they truly changed my life!
1 reviews | Active since Oct 2020
Zero Debt has been absolutely phenomenal with my journey to becoming debt-free
Zero Debt has been absolutely phenomenal with my journey to becoming debt-free. Pumza was my debt consultant and she has been nothing short of exceptional. Her continuous communication with me has been such a comfort in knowing that she is with me every step of the way, ensuring that all my documents and all the procedures are taken care of. I couldn't recommend her and Zero Debt more! If you're struggling with your debt, definitely go with this business - they truly changed my life!
1 reviews | Active since Sept 2026
I would just like to say a huge thank you to Bongi for the excellent service and support she provided me
I would just like to say a huge thank you to Bongi for the excellent service and support she provided me. She was incredibly helpful, patient, friendly, and professional throughout the entire process. She went above and beyond to assist me, answered all my questions, and made everything so much easier and less stressful. I am extremely grateful for all her help and would highly recommend her to anyone. Thank you so much, Bongi, for your amazing service! 🙂
1 reviews | Active since Sept 2026
I would just like to say a huge thank you to Bongi for the excellent service and support she provided me
I would just like to say a huge thank you to Bongi for the excellent service and support she provided me. She was incredibly helpful, patient, friendly, and professional throughout the entire process. She went above and beyond to assist me, answered all my questions, and made everything so much easier and less stressful. I am extremely grateful for all her help and would highly recommend her to anyone. Thank you so much, Bongi, for your amazing service! 🙂
1 reviews | Active since Sept 2015
No feedback!!
No feedback, No communication, No nothing. -I have sent email to Jamiela on the 25th of August with a query as this is my last installment that needs to be paid, no feedback was received- on the 30th of August another email was sent to follow up, still no feedback. Why do we always have to complain on hello peter before we receive any kind of help? I cant phone during the day that is why i email the "allocated person"who works on my profile.
1 reviews | Active since Sept 2015
No feedback!!
No feedback, No communication, No nothing. -I have sent email to Jamiela on the 25th of August with a query as this is my last installment that needs to be paid, no feedback was received- on the 30th of August another email was sent to follow up, still no feedback. Why do we always have to complain on hello peter before we receive any kind of help? I cant phone during the day that is why i email the "allocated person"who works on my profile.
1 reviews | Active since May 2026
Greatest Service ever
Great received from Walter, he made sure that II am assisted until at the final stage of my query. Sometime he would stand up from his desk to walk to the other Department just to get it done, woow Walter thanks again, now I am an official new vehicle owner.
1 reviews | Active since May 2026
Greatest Service ever
Great received from Walter, he made sure that II am assisted until at the final stage of my query. Sometime he would stand up from his desk to walk to the other Department just to get it done, woow Walter thanks again, now I am an official new vehicle owner.