Debt mediation software, built for South Africa
DebtDesk brings the core mediation workflow into one place, from the first affordability check to the final paid-up letter. Here's what's inside.
Onboarding and affordability
Capture a client through a guided intake, then turn their income and expenses into a live disposable-income figure. That figure drives the work that follows, so it stays visible instead of being buried in a spreadsheet.
Proposals and negotiation
Build a proposal for each creditor based on what the client can afford, send it, and record the response. Acceptances, rejections, counter-offers, and notes from calls all sit against the account, so the history does not depend on memory.
Automated payment distribution
Record one client payment and DebtDesk allocates it across creditors according to the agreed proposal. It deducts the mediation fee and VAT, marks accounts as they settle, and produces the distribution record for the trust account.
See how distribution worksThe documents
Consent mandates, distribution instructions, monthly statements, and paid-up letters are generated from the client's own data. Mandates can be sent by SMS for signature on the client's phone, so onboarding does not stall while waiting for paperwork.
Native to South Africa
Rand throughout, SA ID-number validation, and a preloaded list of NCR-registered credit providers that you can attach to an account in seconds.
Documents are stored without personal details in their file paths, reducing unnecessary exposure of personal information.
Roles for the whole practice
Agents, mediators, and practice owners each get a view that fits their part of the work. Permissions can keep sensitive actions, such as releasing money, with authorised users.
Common questions
What does DebtDesk do?
DebtDesk covers the core debt mediation workflow: onboarding and affordability, creditor proposals and negotiation tracking, payment distribution, and the documents a mediation practice needs, all in one system built for South Africa.
Is it built for South Africa?
Yes. It uses Rand throughout, validates South African ID numbers, includes a preloaded list of NCR-registered credit providers, supports mandate signatures by SMS, and stores documents without personal details in file paths.
Can a whole team use it?
Yes. DebtDesk supports different roles so agents, mediators, and practice owners each see and do what fits their part of the work.
Walk through it on a real file.
Twenty minutes, no slides — just the workflow your practice runs every day.
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