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ADS are specialists in helping South Africans get out of debt and achieve financial freedom and control. The way we do this is simple, effective and legal.

Our clients don’t undergo debt review, counselling or administration and do not have court orders issued against them.

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 50% which will leave you with money to spend on necessities every month
  • We handle your creditors queries and keep you informed
  • You are able to track all payments to creditors to verify these via the internet or a cell phone
  • You will be able to review all creditors interest rates
  • The ADS way offers a much faster recovery period than debt review as from day 1 regular and set amounts are paid to creditors
  • You will have your own IMB Wallet Account which is protected against money-grabbing via debit orders plus an IMB MasterCard debit card which can be used to draw cash from ATM’s and pay for goods and services. 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?

IMB protected account

An IMB protected account is opened in your name to ensure your money is safe and only you can authorise transactions.  You are also provided with an IMB Debit Card from Mastercard, one of the leading card payment companies providing access to hundreds of thousands of retailers and ATM’s around the world. (Hotlink to IMB is a Registered Financial Services Provider.

Payment structure

Get out of debt fast Payment structure. The longer you stay on the program, the faster outstanding debt is settled. We will help you decide whether to make an available instalment to be divided between your creditors or added to the creditor with lowest outstanding balance or the highest interest rate or to the most demanding creditor.

IMB protected account

Free access to check your IMB account via the internet or a cell phone– you have free access to the account to check balances and payments made

Payment Plan

Creditors are paid from the client’s IMB account via stop orders based on the Payment Plan



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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