About Us A&H Debt Restructuring is based in Cape Town, Milnerton and is a registered Debt Counseling Service. We are licensed by the National Credit Regulator in terms of the National Credit Act 34 of 2005. Our company offers a Debt Restructuring Programs which includes an affordable reduction, as much as 50%, of your present monthly obligations to credit providers or lenders whether it be for secured debt for your car or house, or for unsecured debt such as credit cards or/or personal loans. The law provides relief for debtors who have become over-indebted and are finding it difficult to meet their monthly repayment obligations. Our Debt Restructuring Program us nationally recognized as the most effective solution for consumers who find themselves over-burdened by debt due to unfortunate personal circumstances such as the loss of a spouse's income, the world global economy or the recent increase in interest rates. A Debt Restructure Plan can reduce the interest rate and or