legal debt solutions
We help South Africans understand their legal debt options and move toward financial stability with clear and practical guidance.
We help South Africans understand their legal debt-relief options so they can make informed decisions with confidence.
Debt can feel overwhelming, especially when every debt-relief option seems different, and the financial pressure keeps mounting.
At Ursula Gouws Consulting, we help South Africans understand their legal debt-relief options, including Personal Sequestration, Business Liquidation, and Debt Counselling.
Every person’s situation is unique. That is why we provide honest advice, practical guidance, and clear explanations before you make any decisions.
Whether you are worried about:
We are here to help you understand your legal debt-relief options and take the next step with confidence.
You do have options. Let us help you find the right one.
Clear advice so you can make informed decisions.
Practical solutions to help you find relief.
Take back control and move toward stability.
Your privacy is protected every step of the way.
Personal Sequestration is governed by the Insolvency Act 24 of 1936 and offers a legal, High Court-approved way to clear your debt and rebuild your financial stability.
The Personal Sequestration legal process is designed for individuals who can’t pay what they owe anymore, when debt is out of control, and liabilities exceed assets.
Business Liquidation is governed by the Insolvency Act 24 of 1936 and is the legal way to shut down a business that can’t pay its debts before it destroys you personally.
The Business Liquidation legal process is designed for business owners who can’t pay what they owe anymore, when debt is out of control, and liabilities exceed assets.
Ursula Gouws is a registered Debt Counsellor – NCRDC3783 at the National Credit Regulator (NCR).
Ursula Gouws Consulting is a member of DCASA – Debt Counsellor Association of South Africa.
Are you feeling overwhelmed by your debt?
You are not alone, and you are not out of options.
At Ursula Gouws Consulting, we provide honest and legal solutions:
Legal debt relief options to help you escape the debt chaos and build a new financial future.
You don’t have to go down this road alone.
We invite you to discuss your financial situation with us before we determine which legal process is the most suitable choice for you at this time.
My team and I have over 20 years of industry experience.
We want to offer you the best legal outcome while helping you with a positive, debt-free, and financially stable future.
The Ursula Gouws Consulting team has assisted and supported thousands of individuals and businesses through difficult financial situations with professionalism, discretion, and care.
EXCELLENT
Based on 23 reviews
Posted on Google
Bianca Vermeulen19 January 2026Phenomenal service from Ursula and her entire team! They have held my hand throughout my whole journey with them and they have literally changed my life and relieved so much stress from my shoulders. Thank-you Ursula Gouws Consulting!Posted on Google
Tanja Duvenage24 November 2025Excellent service was kept in contact with everything that is happening i am fully sequestrated an no problems after i was finished best service and company everyone willing to help alwaysPosted on Google
Alicha Havenga24 November 2025Fantastic service, non stop communication to keep you updated regards to your process. They've helped me so much with my debt making life easier and a bit stress free ... Thank you so muchPosted on Google
manuela delport31 October 2025Thank you for assisting us in an overwhelming time of our lives. Your guidance and support brought light when things were uncertain. I appreciate your kindness, compassion and transparency. I Most definitely recommend Ursula Gouws Consultants.Posted on Google
Refiloe Phekani22 September 2025Great service from Ursula and Charmaine. The process was straightforward and they provided regular updates, advice and follow-up. Would definitely recommend Ursula and her team to anyone being crushed by debt.Posted on Google
Louise Van Der Linde14 July 2025Valued Ursula,Charmaine&team,,many thanks for making such a differnce in our lives,being part of the journey each step of the way,operating from a level of excellency!simply being the best! in every way,professional, highly skilled ,friendly,knowledgeable,and certainly one word describes this business-INTEGRITY-Special thx to Charmaine whom knows how to deal with people, understanding and very supportive,without a doubt Ursula and her magnificent team is recommended!forever grateful Henk and LouisePosted on Google
Sophia Jansen Van Vuuren7 May 2025Ursula has been an incredible guide in helping us regain control of our finances. She explained every step of the process with clarity, making everything easy to understand and stress-free. The support from Ursula and her team was nothing short of exceptional. Every question we had was answered promptly and with the utmost professionalism. We wholeheartedly recommend Ursula Gouws Consulting to anyone seeking expert financial guidance. With her help, you will feel confident and supported every step of the way Very satisfied clients, Matthew and Sophia Jansen Van VuurenPosted on Google
Ettiene Swanepoel23 April 2025I was extremely satisfied with the service I received I would recommend Ursula Gouws Consulting any time I would like to thank Charmaine for her great servicePosted on Google
Olivia Bennett2 April 2025At first glance everything regarding Ursula Gouws Consulting and the sterling reviews posted online may seem a bit suspicious or too good to be true but I promise you,every positive review is on point and more.The level of integrity with which the company is run felt unreal on most days and Charmaine,the way you invested your time in me and my wellbeing was something I've never experienced before. Thank you once again for giving me a new lease on life Ursula Gouws Consulting🥹🙌🌹.Posted on Google
Shirley de Bruyn21 February 2025Wow wow wow!! I truly have no words to describe the AMAZING service we received from Ursula Gouws from the very first encounter! With beautifully, detailed, honest and patient explanations, each step of the way. Everything was so smooth and guided, we never had to wonder what's next. What an absolute painless and pleasant experience. I would honestly recommend Ursula Gouws Consulting to anyone!
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Taking the first step is often the hardest.
You do not need to have
everything figured out before contacting us.
Sometimes all you need
is a cup of coffee, an honest conversation, and
someone who will explain your options in plain English.
If you are able to visit our offices in Centurion, we would love to meet you for a coffee and a chat.
If you are further away, we can arrange a Microsoft Teams meeting at a time that suits you.
Prefer to talk on the phone?
We are happy to arrange
a telephone conversation that works for you.
No pressure.
No complicated legal language.
Just a confidential
conversation about your circumstances and the legal debt relief
solutions available to you.