Less Debt offers Debt Review, which is also known as debt counselling, to over-indebted South Africans who are struggling to afford their debt repayments. While undergoing Debt Review, Less Debt will evaluate your outstanding debt and put an affordable debt repayment plan in place, specifically suited to your unique needs. We will negotiate with your creditors on your behalf for lower instalments and lower interest rates, while ensuring that you no longer receive harassing phone calls or threating lawyer letters.