They couldn't sleep either. Here's what changed.

“I sleep through the night again”

I phoned at one in the morning because I couldn't stop crying about a letter from the bank. Sandy listened, and a counsellor called me at eight. Fourteen months later my car is still in my driveway and I sleep through the night.

“Two accounts paid off — I can see the end”

Six creditors, six debit orders, nothing left for groceries. Now it's one payment, and the app shows me exactly how much is left. Two accounts are already paid off. My kids noticed I stopped shouting about money.

“Nobody judged me”

I was so ashamed I didn't tell my husband for a year. The counsellor never once made me feel stupid. They explained every fee before I signed anything, and the creditors stopped phoning me at work.

“Halfway to debt-free”

Thirty months in and I'm past halfway. When the garnishee came off my salary it felt like I got a raise. The monthly update keeps me going.

“Sending documents from my phone saved me a day off”

I uploaded my payslips and statements from my phone in the taxi. I didn't have to take leave to sit in an office. It took a few weeks for all the creditors to agree, but the team kept me updated.

“From blacklisted to almost clear”

I thought I'd be blacklisted forever. Forty months later I'm nearly done and I know exactly when the clearance certificate comes. Best decision I made.

“The calls stopped”

The worst part was the phone ringing all day. Within weeks of applying, the calls came to them instead of me. I could breathe again.

“Honest about what they can and can't do”

They didn't promise me miracles. They showed me the numbers, told me how long it would take, and that's exactly how it's going. I trust them because they were straight with me.

“I'm teaching my daughter what I learnt”

Debt review taught me to budget for the first time in my life. Now my daughter and I plan the month together. We're paid up in nineteen months and we're already planning a holiday.