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Alternate Debt Solutions (ADS) are specialists in helping South Africans get out of debt and achieve financial freedom and control. The way we do this is simple and effective.

Our clients don’t undergo debt review, counselling or administration. ADS do not issue court orders against clients.

Our team of professional consultants work with you and your Creditors to formulate a Payment Plan. The Payment Plan is calculated to pay back your debts, as fast as possible and also provide you relief by ensuring you have cash left over each month, so you can afford to pay for your basic needs without having to borrow more.



  • Lower monthly instalments – we will reduce your monthly instalments, by up to 60% which will leave you with money to spend on necessities, every month
  • ADS handle your creditors queries and keep you informed
  • You are able to track all payments to creditors
  • You will be able to review all creditors interest rates
  • ADS offers a much faster recovery period than debt review, as monthly and set amounts are paid to creditors
  • You will have your own Distribution Account which is protected against money-grabbing via debit orders. You are in control, in other words, only stop-order payments authorized by you will, be allowed. IMB

Yolande’s story

“Being in control of your finances is a great stress reliever.”  Dave Ramsey – author Financial Peace (


What makes our service so unique?

Payment Plan

ADS provide a payment plan that will suite your financial situation. The focus is always to ensure that all creditors receive a monthly instalment and that debt is settled as soon as possible. As soon as an account is paid in full, we will add the availableamount to the creditor with the highest interest rate, or to the creditor with the lowest outstanding balance, or the most demanding creditor.

IMB Distribution account

Distribution account is opened in your name, to ensure your money is safe and only you can authorise transactions.  Creditors are paid from the client’s IMB account via stop orders based on the Payment Plan

(Hotlink to IMB is a Registered Financial Services Provider. Free access to check your IMB account via the interne.



Thank you very much for your help and kind assistance the past 18 months. I do appreciate it.

Mrs Taylor

This is unbelievable!!!
I was looking for a way to pay one creditor and finish, but didn’t know how to start. They keep on calling and at the end of the day I end up not paying them. Just when I thought I am finish, someone like you came to my rescue.
I believe that my life will change for the better. Thank you ADS!


Good morning, I had a look at your program and it looks like a fantastic option! Well done!
I support what you do and will refer people to you.

Mrs Scholtz

Awesome. Thanks for all the help. You guys have been absolutely amazing.
(on the ADS program for a year – paid 2 creditors in full and 5 remaining creditors are 100% satisfied with progress)

Mr Vicars

Hi Lisa thank u very much for what u have done for me, I went to Absa and I was so happy to hear that the R7500 that was missing from my loan was found.
Thank you for your excellent service, God bless u

M. Zungu

Hi all
When I started with ADS I was over committed and rolling debt, to make ends meet. ADS reduced my debt payments and with the plan they put me on, I have had no need to incur more debt. Yes it takes sacrifice but there is light at the end of the tunnel. The assistance and guidance ADS provided are always professional and they always respond to any queries you might have, which is rear, not only in this field but in general in SA. ADS has changed my financial position where I am not incurring more debt, but paying it off. I can recommend them to anyone!

Mr P Sonn

…and I love you, for what you are doing for me!

Mrs Mthlongo

Good morning to all the ADS ladies. It is always nice to receive a call from you to state that an account is paid in full.
You walked the extra mile for me and I almost feel as if I have won the lotto! Thank you for your commitment and help.

Mrs Jacobs
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