Living DEBT Free Ncrdc384 - Kevin Russell

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Living DEBT Free Ncrdc384 - Kevin Russell Professional Debt Counsellor NCRDC384 to assist and guide you with Debt and Budget. For more information and registration details visit www.ncr.org.za
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Registered with The National Regulator under, The National Credit Act No.34 of 2005. Living Debt Free with Kevin Russell — NCRDC384
At Living Debt Free with Kevin Russell, we are more than just a debt counselling practice — we are a trusted partner on your journey to financial freedom. Led by Kevin Russell, a registered and experienced debt counsellor (NCRDC384), our mission is simple: to help South Africans break free from the burden of debt with dignity, clarity, and confidence. Why Choose Us?
✅ Personalised, Compassionate Support
We understand that no two financial stories are the same. That’s why we treat every client with empathy and care, offering tailored solutions that match your income, expenses, and life realities. You’ll never be judged — only supported.

✅ Direct Access to a Registered Debt Counsellor
When you contact us, you’re working directly with Kevin Russell — not a call centre or admin-only team. This means honest advice, fast communication, and a clear understanding of your options at every stage.

✅ Sustainable, Real-World Solutions
We create practical debt restructuring plans that are affordable and realistic, with your long-term wellbeing in mind. No quick fixes, no empty promises — just real support that works.

✅ Proudly South African
From rising fuel costs to school fee challenges, we understand the financial pressures South Africans face every day. Our solutions are locally grounded, culturally aware, and designed to meet your actual needs.

✅ A Legacy of Trust
With a strong track record of negotiated settlements, successful restructures, and clients who’ve turned their lives around, we’re proud to be a name South Africans trust in times of financial hardship.

✅ Empowerment Through Education
Debt counselling is just the start. We equip our clients with budgeting tools, saving strategies, and confidence — because staying debt-free is just as important as becoming debt-free. Our Promise to You
At Living Debt Free, we believe in transparency, discretion, and compassion. Whether you're a single parent, a young professional, or someone who’s simply overwhelmed — you don’t have to face this alone.

📧 Email: [email protected] // [email protected]
📞 011 363 2956 | 📲 078 747 5127 (WhatsApp) | 📱 082 900 4129
🌐 www.livingdebtfree.co.za

💻 Try our Full Budget Calculator — FREE on our website!
👉 Click here: livingdebtfree.co.za/check-if-you-qualify

Let today be the first step toward peace of mind. We’re here to help — and we walk the journey with you.

08/10/2026

What does a "good" Debt Counsellor mean? https://buff.ly/JvmDZSm
A deep dive into the changing landscape and economic factors driving Debt Counsellor behaviour and the solutions needed to ensure consumers get good service.

08/10/2026

🎓 LIVING DEBT FREE — THE DEBT REVIEW SCHOOL
SEASON 2 — ONCE YOU START
📚 EPISODE 6

WHAT HAPPENS IF YOU MISS A PAYMENT?

Missing a Debt Review payment is serious.

If you don't make your agreed payment, you can fall into default.

⚠️ And if the legal requirements are met, a credit provider may give notice to terminate the debt review in respect of the credit agreement in default.

That can put you at risk of further enforcement action.

👉 Don't ignore a missed payment.
👉 Don't simply stop paying.
👉 Speak to your Debt Counsellor as soon as possible.

Your Debt Review is there to help you — but you have to keep your payments up to date.

🎥 Watch Episode 6 to understand why paying on time matters.

Living Debt Free — Structured. Legal. Transparent.

07/10/2026

🎓 LIVING DEBT FREE — THE DEBT REVIEW SCHOOL
SEASON 2 — ONCE YOU START 📚 EPISODE 5

WHY YOUR FIRST PAYMENT DISTRIBUTION MAY BE DIFFERENT

Have you ever wondered why your first payment distribution may look different from your normal monthly distributions? 🤔

Here's something every consumer starting Debt Review should understand:

💰 Your first distribution is used to cover the applicable Debt Review fees and insurances.

This means the amount distributed to your creditors in the first distribution may be different from what they receive in the normal ongoing distribution.

Once these initial amounts have been dealt with, the distribution follows the agreed repayment arrangement.

⚠️ But dont make the mistake of skipping your payment!Your agreed payment must still be made on time.

If youre unsure about your first distribution or what has been deducted, ask your Debt Counsellor to explain it to you.Understanding where your money goes is an important part of understanding your Debt Review.

🎥 Watch Episode 5 of The Debt Review School to learn more.

Living Debt Free — Structured. Legal. Transparent.

Once you start… know what happens next.

Need help with your Debt Review?

Kevin Russell | NCRDC384
WhatsApp: 082 900 4129
LIVING DEBT FREE NCRDC384 - Kevin Russell

02/10/2026

Wendy Knowler warns that homeowners must formally cancel their bond, and failing to do so can lead to unexpected costs.

02/10/2026

📚 THE DEBT REVIEW SCHOOL
🎬 SEASON 2 | EPISODE 4

THE DEBT REVIEW ORDER 📄

You’re under Debt Review… but do you actually know what your Debt Review Order says? 🤔

Don’t just file it away and forget about it.

In this episode, we explain why it’s important to:
📌 Understand your order
📌 Keep a copy
📌 Ask questions when something isn't clear
📌 Understand what is happening during your Debt Review journey

We also explain why, if you hear about a D4 status, you should ask what it means in the context of your Debt Review.

🕵️ Captain P says it best:
“Guessing is not a financial plan.” 😄

🎓 Once you start… know what happens next.

📲 Need help with your Debt Review?

Kevin Russell | NCRDC384
WhatsApp: 082 900 4129
🌐 livingdebtfree.co.za

Structured. Legal. Transparent.

02/10/2026

📚 THE DEBT REVIEW SCHOOL | SEASON 2 — ONCE YOU START

🎬 EPISODE 3: WHERE DOES YOUR PAYMENT GO?

You’ve started your Debt Review…

But what happens to your payment once you make it?

💡 In this episode, we take a simple look at where your monthly Debt Review payment goes and why understanding the process is important.

No complicated terminology.
No confusing financial jargon.

Just the basics you need to know as a consumer starting your Debt Review journey.

🎓 Because understanding your Debt Review matters.
Watch Season 2, Episode 3 of
LIVING DEBT FREE — THE DEBT REVIEW SCHOOL

📲 Need help with your Debt Review?

Kevin Russell — NCRDC384
WhatsApp: 082 900 4129

🌐 livingdebtfree.co.za

Structured. Legal. Transparent.

🚨 R1 MILLION FINE & DEREGISTRATIONA recent National Consumer Tribunal matter is an important reminder to every consumer ...
02/10/2026

🚨 R1 MILLION FINE & DEREGISTRATION

A recent National Consumer Tribunal matter is an important reminder to every consumer considering debt review.

According to the report, debt counsellor Bongolethu Gedeza (NCRDC3875) was linked to practices including misleading marketing, claims of massive debt discounts, consumers allegedly being placed under debt review without proper consent, and charging consumers for debt-review removal.

The NCT ordered a R1 million administrative fine, deregistration of the debt counsellor and a full audit to identify consumers who may have been affected.

🚨 THE LESSON FOR CONSUMERS?

Don't sign something you don't understand.

✅ Know who your Debt Counsellor is
✅ Ask questions
✅ Understand the process
✅ Keep copies of your documents
✅ Be cautious of promises that sound too good to be true

Debt review is serious. Your financial future deserves transparency.

💚 Living Debt Free — Structured. Legal. Transparent.

📲 Kevin Russell | NCRDC384
082 900 4129
livingdebtfree.co.za

👇 Read the full Debtfree Magazine article below.

Did you hear about this Debt Counsellor who got fined R1 Million? https://buff.ly/sWxEBIZ

01/10/2026

The final Debt Review Awards Peer Review for 2026 is running till Sunday 4th. Identify the top media coverage about debt review for the last 12 months: https://buff.ly/XbbXUUk

Please note: NCR Registrants only.

Address

24 Coetzee Street
Springs
1559

Opening Hours

Monday 09:00 - 17:00
Tuesday 08:00 - 17:00
Wednesday 08:00 - 17:00
Thursday 08:00 - 17:00
Friday 08:00 - 17:00

Telephone

+27113632956

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