About Us

Everything you need to know about Us and Debt Counselling

Our Story

Since the full implementation of the National Credit Act, specifically Act 34 of 2005, on June 1st of 2007, the debt management landscape has undergone a transformative change. The introduction of debt review and restructuring has aimed to address the financial challenges major credit providers impose on consumers. Debt Counselling Companies, in collaboration with the National Credit Regulator, play a crucial role in helping consumers become debt-free by providing tailored solutions based on their affordability.

The Helping Hand was established in 2013 to cater to the growing need for debt relief. Our primary mission is to assist over-indebted consumers and provide them with a pathway to financial freedom. Starting with a single branch in Giyani, we have expanded our reach to include locations in Polokwane and Pretoria. This expansion is a testament to the increasing demand for our essential services.

At The Helping Hand, we are committed to guiding individuals through the debt review process, empowering them to overcome financial challenges and work towards a debt-free future. Our growth reflects the effectiveness of our approach and the positive impact we have had on the lives of those facing financial difficulties. Join us on the journey to financial well-being, and let The Helping Hand be your partner in achieving a secure and debt-free future.

Why choose Us?

Why choose Us.Because of our Values.

Our team consists of professionals, from our Debt Counsellor, Lawyers, Accounting Consultants, Administrators and even Sales Agents, all of whom take the work they do very seriously.

We opt to be available at the drop of a hat to all our existing and prospective clients, we strive to provide a reliably consistent level of service in order to keep our clients in the loop.

The level of enthusiasm our team showns towards the goals and vision we've set in order to assist our clients is nothing short of phenomenal, we work until the client is happy.

Our clients' confidence is a fundamental cornerstone to the mutually beneficial relationship we aim to build as we assist them with their issues and so therefore we treat it with the utmost respect.

Why choose Us?

Our Mission.To turn lives around...

Supporting families and individuals that are financially distressed and going through dire times, all this through discrete and professional financial counselling. In instances of over indebtness, we aim to provide debt counselling solutions all the while educating the clients and consumers of the values of money management to ensure that they do not find themselves in the same situation.

Why choose Us?

What we Do.Provide Debt Relief Solutions.

Our many services include,

Start your journey to financial freedom with our debt counseling. We analyze your finances, create personalized strategies, negotiate on your behalf, provide you with legal protection, and guide you through a repayment plan to achieve a debt-free future.
Secure your financial well-being with our credit life insurance. Our comprehensive coverage settles outstanding debts in unforeseen circumstances, offering a safety net for you and your loved ones. Our straightforward application process ensures swift protection.
Elevate your financial standing through our credit score update services. We meticulously track and analyse your credit history, identifying areas for improvement. Our strategic interventions aim to enhance your credit score, giving you a stronger financial profile.
Presentation Locations
Debt Free Clients
Managing Director & Debt Counsellor

Mahlori Ngobeni

The Helping Hand Debt Counsellors is an organization founded and currently led by Mr. Mahlori Ngobeni. He is a qualified and registered Debt Counsellor with extensive experience. Mr. Ngobeni grew up in Giyani, Limpopo where he completed his foundational education before pursuing a degree in Business at the Branson School of Entrepreneurship.

During his early years in high school, Mr. Ngobeni developed a passion for sales and marketing. This led him to establish his first company, THN IT Solutions, at a young age. THN IT Solutions deals in Information Technology Systems and Peripherals. Through his ventures, he travelled extensively throughout South Africa, where he realized the profoundly detrimental impact of debt on individuals. This led him to study more about the issue and eventually become a certified Debt Counsellor. He wanted to provide effective solutions to those struggling with debt. This journey culminated in establishing THN Debt Counsellors, which is now known as The Helping Hand Debt Counsellors.

  • Marketing
  • Transparency
  • Counselling
  • Financial Planning
  • Communicating

How Debt Counselling Works...

The Process undertaken by Debt Counsellors in aiding over-indebted consumers.


The Consumer approaches a Debt counsellor, and presents a case of over-indebtedness and so Applies for Debt Counselling.


Creditor Notification

Debt Counsellor Notifies credit providers and credit bureau of the Consumers application for Debt Review making use of the form 17.1.


No More Debt

Consumer may not incur any further debt (credit agreement or use overdraft / credit card) unless it is to consolidate debt.


What is Owed

Credit providers issue a certificate of balance(C.O.B) to the debt counsellor. This gives a picture of the consumer's debt situation where each credit provider is concerned.



After a thorough assessment of the consumer's financials and C.O.B, the Debt Counsellor confirms to credit providers of the consumer's over-indebtedness or otherwise.



In the event that the consumer is indeed over-indebted and so their application is accepted, the debt counsellor and credit providers enter into repayment negotiations going forward.


New Committment

After the Negotiations, the Consumer makes a commitment to a payment plan and make a monthly payment to Payment Distribution Agent(PDA) for a set period of time.


Payment Distribution

Payment Distribution Agent distributes funds in terms of the payment plan (or debt rearrangement order in the event that it is granted) to all the consumer's credit providers.


Honouring Commitment

Consumer ensures that credit providers receive monthly payments as agreed in terms of an accepted proposal (or granted debt rearrangement order) to avoid termination.


Legal Matter

Matter is set down in court by the consumer's debt counsellor, it is at this point credit providers may oppose the matter in court if negotiation agreement was not reached.


Process Finale

The process is finalised in court by the granting of a debt rearrangement order by a judicial officer, the order is is honoured by the consumer and the credit providers.


On and On till The End

Consumer’s financial position is reviewed annually by the Debt Counsellor, a clearance certificate is issued by the Debt Counsellor at the moment debt is settled.

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