We Offer You:

  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  
  Assistance during application for Debt Counseling and after care until you out of the debt review process  
  Mediation with all your creditors with regards to your outstanding credit balance & interest  
  Assistance with the identification possible reckless lending & unlawful provisions in your credit agreements  
  Monthly up to date progress reports on all your credit balances after distribution  


Welcome to KOSH Debt Counselors / Blue Key Consult


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.
Read More>>

  Form 16 Application... Read More>>
  Example of debt restructuring Read More>>
What do I need to do?

Simply call for an appointment and bring the following with you:

  • A copy of your ID
  • Marriage Certificate
  • Your latest pay slip
  • Copies of the latest statements or invoices of all your accounts 1 months’ bank statement

Don’t Delay – Call Us Today!

Only you can create a new future by taking ACTION!!!

Contact North West:

Tel:  018 468 8846
       018 468 7096

Fax: 018-468-8847
Fax to email: 086- 599- 2688

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