Welcome to Kosh Debt Experts

The National Credit Act 34 of 2005 came into full effect on 1 June 2007. The Act was designed to regulate the credit industry and to protect the consumer. More importantly, there is provision for the Debt Restructuring of consumer’s monthly budgets in the event of Over-Indebtedness. In terms of the Act, all Debt Counselors are regulated by the National Credit Regulator (NCR), a department within the Department of Trade and Industry.

Being over indebted simply means your expenses are greater than your monthly income. In other words, you cannot afford to pay all your debt.


From February 2009, we have been providing debt management advice and helping people to get back in control of their finances. KOSH Debt Experts has a registered Debt Counsellor who acts on your behalf and in your best interest.


A Solution to your Debt problem, Advice in accordance with the National credit Act, No additional costs for advice, Single monthly installment to pay all your creditors, Personalised solution in line with your personal financial position.


Write a message. If you got any questions, please do not hesitate to send us a message. We reply within 24 hours! Our contact details (018) 468 8846 or email us on cob@kdexperts.co.za. Our expertise could reduce your existing debt by up to 50%.

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