About Us

What We Do

We are here to help people in need who are struggling to pay their debt.

We provide expert advice and resources to help guide them through the process of managing and eliminating their debt. Our goal is to provide tailored solutions that fit each individual’s unique financial needs and give them the tools to take control of their debt and build a secure financial future.

Why Choose CS Debt Counselling

Our mission is to protect, guide and educate our clients so that they can make informed decisions about their financial future.

We aim to negotiate on behalf of our clients in a trustworthy, realistic and fair manner, so that they can unlock their financial freedom.


Our team of negotiation experts have over 14 years of experience assisting clients and working with creditors, providing the influence and expertise needed to secure great rates.


We are passionate about hearing people’s stories of debt, and helping them find a way to overcome it. We understand financial struggles and seek to provide support as well as solutions to get out of debt.


We care about your success and will work with you to create a budget that fits your financial needs and goals. We’ll ensure your payments are fair and affordable for all parties.


Bernidene Thieroff, our debt counsellor, is registered with the National Credit Regulator (NCRDC764). Our goal is to empower people to make informed decisions about debt relief and provide them with the right solution, regardless of our services.

Meet our Team

At CS Debt Counselling, our primary objective is to deliver top-notch debt relief services. Our dedicated team of seasoned professionals is fully devoted to assisting our clients in navigating the intricacies of debt management, ultimately enabling them to achieve a more stable financial position. We are committed to providing the most effective solutions tailored to our clients’ specific needs, encompassing debt management, ITC Clearance, and Insurance Products. Additionally, we equip our clients with educational resources to enhance their understanding of their rights and responsibilities as consumers.

Sweetness Ntuka

Sweetness is an amazing addition to the team! She is an excellent receptionist and always has a positive attitude. She is in control of the reception area and is always willing to help out her fellow team members with any queries they may have. Sweetness is an absolute joy to have around and her sweet nature always makes the office a brighter place to be.

Lynn Nel

Lynn’s commitment to CS Debt Counselling for over a decade is a testament to her incredible work ethic and dedication to helping others. She is a true leader and a compassionate person, going above and beyond to ensure that clients are making the payments they need to and that credit providers are receiving the proposals they need. Her hard work and dedication have been an inspiration to her colleagues and have helped countless people get back on track. Lynn is an amazing asset to CS Debt Counselling and everyone who has had the pleasure of working with her.

Maria Ntlakobe

Maria Ntlakobe is an amazing individual who is making a difference in her community. Not only is she the head of the ITC Department at CS Clear, but she is also a team leader. She has a strong sense of responsibility and dedication to her job and is committed to helping people clear their debts and work towards a better financial future. Her hard work and dedication toher job make her an incredible asset to the CS Clear team and the individuals she serves.

Meet Our Debt Counsellor

Bernidene Thieroff

Bernidene Thieroff is an experienced and Registered Debt Counsellor with the National Credit Regulator, NCRDC 764. She makes sure that the process is followed correctly and prefers to work face-to-face with each client to ensure their individual needs are taken into account. Bernidene is also responsible for the proposals, making sure that the proposed payments to each credit provider are reasonable, fair, and cover the interest. Additionally, she is always looking for new ways to help clients, researching new resources and methods to find the best solution for each individual. Bernidene’s dedication to finding a tailored solution for every client makes her stand out from the rest.

How CS Started

CS Debt Counselling  was established in 2008 by the late Jenny de Wet and Bernidene Thieroff, a mother-daughter duo, with the goal of revolutionizing debt management in the Goldfields and Garden Route areas. Since then, our business has flourished and expanded nationwide.

Today, under the leadership of Bernidene Thieroff, a Registered Debt Counsellor with a deep commitment to assisting individuals burdened by debt, CS Debt Counselling remains a family-owned enterprise dedicated to delivering exceptional debt relief services.

With over 14 years of industry experience, Bernidene is fervently driven to help people break free from the shackles of debt. Supported by a team of competent professionals, she offers a complimentary financial assessment to anyone seeking assistance. If it is determined that the individual is over-indebted, CS Debt Counselling proceeds to negotiate with their credit providers to establish affordable installments and presents a proposal to the court for a court order. Backed by extensive expertise and a skilled team, Bernidene and CS Debt Counselling are committed to providing the necessary support to help you overcome debt and maintain financial stability.

We understand that falling into debt is an unfortunate circumstance that can happen to anyone. That’s why we are unwavering in our commitment to delivering the highest quality service to help our clients eliminate debt and regain control of their lives. Our experienced debt counsellor takes the time to comprehend your specific needs and offers personalized solutions to help you achieve your financial goals. We provide a range of options designed to accelerate your journey out of debt, including budgeting assistance and debt relief programs. Our passion lies in helping clients rebuild their lives and embrace a debt-free existence. Contact us today to discover how we can assist you in eliminating debt and reclaiming your life.

We take pride in our sister companies, CS Clear and CS Insure. CS Clear specializes in providing ITC clearance services to remove paid-up default and judgment listings, fraudulent listings, and other derogatory information from your credit profile. Meanwhile, CS Insure offers a comprehensive range of 3rd Party Insurance products, including credit life cover, income protection, funeral cover, short-term insurance, and last will/testament services. If you require any of these services, we are thrilled to extend our assistance to you as well!

Bernidene is an exceptional individual, embodying qualities of compassion and empathy. Her life’s purpose revolves around assisting those facing financial challenges, and she has achieved remarkable success in her endeavors. Beyond professional accomplishments, Bernidene upholds the Christian values instilled by her mother, including honor, respect, hard work, and a deep commitment to the community. Her unwavering dedication to helping those in need serves as a profound inspiration, and it comes as no surprise that her clients hold her in such high regard. Bernidene epitomizes selflessness, generosity, and courage, setting a remarkable example for others to follow.