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Trustworthy Collection Agencies in Johannesburg Homepage

Trustworthy Collection Agencies in Johannesburg

Experience and Credibility – We selected collection agencies that are efficient, trustworthy, and are experts in debt collection.

Array of Services Offered – We checked the list of services these collection agencies provided to their clients and gave more points to those more versatile.

Performance  We looked at the quality of the services each collection agency provides and assessed whether they’re able to provide effective solutions to their clients.

Client Servicing – We looked at how these agencies treat their clients and how they handle their questions and concerns.

1. Zero Debt

Zero Debt Homepage


Address: Rosebank, Johannesburg, 2196, South Africa

Contact Details: +27 87 701 9665

Operating Hours: Monday – Friday 8:00 AM – 5:00 PM

Google reviews score4.1/5 reviews score3.2/5
Total reviews5/5
Score consistency3.5/5
Experience and Credibility4/5
Array of Services Offered4/5
Client Servicing3/5


  • Fully compliant with the National Credit Act and accredited by the Debt Collectors Association of South Africa
  • Has a free debt calculator


  • Reports on poor quality solutions
  • Weak customer relations

Zero Debt is one of the leading companies in the country that provide solutions to debt. They’re well known for the company’s solid track record and highly-qualified consultants.

The first thing we looked at is Zero Debt’s credibility and we’re impressed to find they’re fully compliant with the National Credit Act, which protects the consumers’ rights. Also, Zero Debt is accredited by the Debt Collectors Association of South Africa.

Zero Debt offers debt consolidation, debt counselling, and debt review. Their clients prefer partnering up with the company because they have solutions for all debt concerns under one roof.

One of the things Zero Debt’s clients like about the company is its ability to provide immediate relief from financial strain by designing affordable monthly repayment plans with low-interest rates. 

Moreover, it’s nice that the company negotiates interest rates with credit card providers, thus lowering the required repayment amount for consumers. 

We also like that they have a free debt collector live on their website to help consumers see how much they’re in debt before dealing with the collection agency.

Their advisers and consultants are commended by clients for being professional and hands-on with their debt cases.

In terms of their performance, there are several complaints about clients’ cases being dragged for so long, leaving clients with more debt and higher bills.

Their customer servicing needs some work too. Despite Zero Debt’s claim to promptly call clients back following their request, potential clients have difficulty engaging with the company for a consultation.

We’re also told there are cases where clients suffered harassment from creditors and the company wasn’t able to protect them. Moreover, their representatives and consultants were difficult to reach out to when needed, which is disappointing.

2. Pioneer Debt Solutions JHB

Pioneer Debt Solutions JHB Homepage


Address: Shop 6A, Riccis Place (Cnr. Joubert and Commissioner Street, 23 Joubert St, Johannesburg Central, Johannesburg, 2000, South Africa

Contact Details: +27 10 109 5757

Operating Hours: Monday – Friday 8:30 AM – 4:30 PM, Saturday 8:30 AM – 1:00 PM

Google reviews score4/5 reviews score3.1/5
Total reviews4.4/5
Score consistency3.5/5
Experience and Credibility4.3/5
Array of Services Offered4/5
Client Servicing3.3/5


  • Well-established company with over 50,000 serviced clients
  • Easy application process that clients can accomplish online


  • Takes a long time to attend to clients’ questions and concerns
  • Understaffed
  • Delayed reflection of cleared debt

Pioneer Debt Solutions is an African-owned and -led debt solution company that was established in 2011. 

They’re one of the most popular collection agencies in Joburg, and they’ve been nominated as one of the Top 5 debt review companies by the National Debt Counselling Practice for a couple of years straight.

We selected Pioneer Debt Solutions for its established credibility, having serviced over 50,000 clients since its foundation. We’re impressed with their masterly performance despite being in the business for just a little over a decade.

Pioneer Debt Solutions provides two main services: debt review and insurance coverage. We like that the company takes debt counselling seriously, which also allows clients to be fully informed every step of the way.

Their counsellors are praised by clients for being committed to the debt cases they’re assigned to, as well as their timely and carefully-planned financial solutions.

Another feature we like about Pioneer Debt Solutions is their seamless process for applications. Clients can conveniently accomplish the forms needed and then get in touch with one of the counsellors online.

We’re iffy about Pioneer Debt Solutions’ availability though. Potential customers shared that the company is difficult to communicate with. 

They complain that the collection agency takes a long time to attend to clients’ questions and concerns, which can be a problem for those with urgent cases. You’d think the best way is to appear in person, but they’re short on staff too.

Lastly, there are several grievances about the delayed release of certificates and overdue reflection of cleared debt status. We’re told there are cases where the client is still paying for a debt that’s supposedly settled.

This is a red flag for us because aside from the redundant costs for their clients, this can create problems for consumers.

TSL Legal (Pty) Ltd. Homepage


Address: 23 Republic Rd, Bordeaux, Randburg, 2194, South Africa

Contact Details: +27 11 339 1467

Operating Hours: Monday – Friday 8:00 AM – 5:00 PM

Google reviews score3.8/5
Hellopeter reviews score1.2/5
Total reviews3.6/5
Score consistency3/5
Experience and Credibility4/5
Array of Services Offered4/5
Client Servicing3/5


  • Has more than two decades of experience
  • Services major organisations and businesses such as the Presidency, the City of Johannesburg, Bayport, and Vodacom.


  • Poor customer service
  • Reports on wrongful accusations
  • Delayed reflection of paid dues

With over two decades of experience, TSL Legal (Pty) Ltd. is one of the most popular and used collection agencies in the Gauteng province, with several branches in the area. 

We’re impressed with the big organisations and companies this agency works with. Some of TSL Legal (Pty) Ltd.’s notable clients are the Presidency, the City of Johannesburg, Bayport, and Vodacom.

They provide consultation and strategy planning, debt review and collection, and solutions to increase the reach of businesses. 

TSL Legal (Pty) Ltd. is often contracted by clients for their established integrity and capability to handle larger accounts of both private and public sectors. 

The agency prides itself in its qualified and high-performing consultants. Their clients describe those who were assigned to their accounts as knowledgeable and proactive.

We noticed though that customer service isn’t their strong suit. While TSL Legal (Pty) Ltd. is well-equipped with call centre agents, there are several complaints about the agency’s response rate to clients’ questions and issues.

Obviously, it’s not a great hallmark that more often than not, clients’ calls and emails are swept under the rug, unattended to and forgotten.

We’re also told that the cleared status and the amount paid by clients don’t immediately reflect on their accounts. On top of that, they’re pestered to pay an amount clients have already paid.

This is a waste of time and an inconvenience for clients as they have to show proof of payment again and again.

There are also a handful of grievances from individuals who reported they were wrongly accused of having accounts with the company and a certain amount to pay. 

4. HTN Attorneys

HTN Attorneys Homepage


Address: 11th Floor, 19AM, 19 Ameshoff St, Johannesburg, 2001, South Africa

Contact Details: +27 86 100 3300

Operating Hours: Monday – Friday 7:00 AM – 6:00 PM, Saturday 8:30 AM – 12:30 PM

Google reviews score3/5
Africabzcom reviews score1.6/5
Total reviews4.6/5
Score consistency3/5
Experience and Credibility4/5
Array of Services Offered4/5
Client Servicing3/5


  • Consultants are qualified attorneys
  • Well-equipped and able to handle bigger debt cases


  • Unresponsive to calls and emails
  • Reports on having rude, unprofessional agents
  • Reports on amount due discrepancies

HTN Attorneys is a law firm that specialises in the recovery of delinquent debtor accounts. They deal with the recovery of unpaid personal loans, retail accounts, telecom accounts, credit cards, and medical services.

We selected this collection agency for its capacity. HTN Attorneys is a well-equipped company that’s able to handle bigger debt cases.

We’re impressed to know that some of their clients are companies that are big players in varying industries.

We also found it remarkable that all their consultants are registered and qualified attorneys. This way, clients can be assured that the people who are handling their accounts are knowledgeable, especially in the legal aspect.

HTN Attorneys provide comprehensive debt review and dedicated customer care backed by a strong financial department and a focused I.T team.

Their clients trust HTN Attorneys with their cases for their apparent expertise in the field, and timely and effective financial solutions.

The collection agency is proud to have a 150-seat call centre, with the ability to expand to 1000 seats. Regardless, there are multiple complaints from potential clients whose calls and messages were never attended to.

On top of that, clients shared with us that they experienced dealing with rude, unprofessional agents who disregard customers’ concerns.

Lastly, we found it baffling that there are instances where there are discrepancies with the amount due before and after a payment plan is arranged. A complainant reported that the amount suddenly doubled after the plan was finalised.

This is unfair toward clients and a red flag for us.

5. NRB Risk Solutions

NRB Risk Solutions Homepage


Address: Ground Floor Building 2, Omnipark, Cnr Sailor Malan & Aerodrome Roads, Aeroton, Johannesburg, 2013, South Africa

Contact Details: +27 11 494 6300

Operating Hours: Monday – Thursday 8:00 AM – 4:30 PM, Friday 8:00 AM – 4:00 PM

Google reviews score2.1/5 reviews score1.4/5
Total reviews4/5
Score consistency2/5
Experience and Credibility4/5
Array of Services Offered4.3/5
Client Servicing3.3/5


  • Allows bulk account management
  • In partnership with big companies
  • BEE Level 2 contributor


  • Reports about the company reaching out to the wrong people about nonexistent accounts
  • Poor communication with clients

NRB Risk Solutions is a collection agency that specialises in volume debt recovery for SMMEs to large businesses.

This collection agency is one of the bigger players in town and has vast experience in the biz. Although they also provide their services for individuals, NRB Risk Solutions’ main function is to provide debt reviews and consultation for other companies.

One of the reasons why we selected this collection agency is for its capacity. They have a network of experienced consultants nationwide and are able to handle bulk accounts all at once.

NRB Risk Solutions has proven reliability, being partnered with big companies who trust the agency to handle big accounts. Their clients are generally satisfied with the agency’s skilful and strategic counsellors.

The agency is also a BEE Level 2 contributor, which means they play their part in promoting and protecting the rights of Black Economic Empowerment. 

Another thing we like about NRB Risk Solutions is its integrated systems, allowing the processes to be easier and faster for both parties.

Onto their weaker points – we received several complaints from people who are apparently not their clients being harassed by agents to pay nonexistent debts. 

We’re told the agency calls thrice a week despite emphasising they don’t have accounts handled by NRB Risk Solutions or debts from the companies they mention. Although their persistence might be useful for those who actually have debts, it pesters the public.

When it comes to those who actually have accounts with the agency, clients report that NRB Risk Solutions’ representatives don’t communicate well. Clients are disappointed after being misinformed about the amount they need to pay and its schedules.

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