Consumer Debt Support

Annienne Nel – Debt Management Specialist

She was introduced to the debt counselling industry in 2009, and worked with Dr ST Potgieter, an Educational Psychologist at Bellville Debt Counselling Centre, in the Western Cape. During that time she was the acting aftercare-administrator, that dealt with the debt review processes of the creditors and consumers, with referred matters and cases in court.

During 2015 Annienne became a registered debt counselor with the NCR, ready to build her own business, and with the passion and drive to help the community with their debt problems, Consumer Debt Support came to light and was registered. CDS became a fast growing small debt counselling business, protecting the consumer’s legal right to affordable debt repayments. Very early in her progress, Annienne realised the major lack of knowledge in the industry and started her very own, now successful, monthly blog, sharing educational pages with readers to information on relevant situations that could help with their problems and their debts. In 2018 her paths crossed with the Debt Eezy brothers, Ashley and Justin Carstens, and with the promise of growth to better services to the community, they decided to join forces, under the flag of the well known, Debt Center, the Dream Team started to grow. Today her website Debt Center has become the Home of Debt Eezy and Consumer Debt Support.

A brilliant combined force of debt counselors to ensure only the best services available for all struggling consumers. Annienne has the meaning to share her compassion and understanding for those who are in need of financial help, and with her new venture, Debt Center will go from strength to strength, with the motto of DARE TO CARE FOR EXCELLENCE. She is very active with locally, social developments and enjoying sharing the love for crocheting and sewing, teaching and developing these skills
with other woman. Her passion and caring for Mandela Day and making a difference where it matters most can be followed on social media.

Quintin Zimmermann – Liddles Director

He started Liddle and Associates Inc in September 2009 as a consumer-centric legal practice, specialising in “YOU”.  Experienced in the National Credit Act and Consumer Protection Act. legal practitioner who has assisted consumers and debt counsellors with the ever changing legal requirements to successfully finalise all applications and actions related to the National Credit Act and Consumer Protection Act. He personally appeared and granted in excess of 600 debt review and reckless lending applications in the various Magistrates’ Courts since 2009. He has rights of appearance in the High Court and have personally attend to all drafting and appearances in the Western Cape High Court in extensive bank related litigation since 2012. Under these circumstances, he derived substantial legal and practical experience in dealing with over-indebted consumers and distressed businesses within the legal framework and resolving and settling matters with the banks and other credit providers.


Justin Carstens – Debt Councillor


Justin has a very experienced history in commercial administration, and was part of the Tenacity aka Ackerman’s group. He was later on in the Collection and Arrears division, with the accounts department of the large Truworths-group, before he ventured his career with the well known Absa bank, as a Home Loan, and Bond consultant.

It was also within Absa that he gained his knowledge and experience of debt and consulting with consumers towards their restructuring of their payment arrears.In 2012,  Justin joined his brother, Ashley, and managed the admin of the debt review, after care center. Four years in the industry, with the motivation of his brother, Justin registered as a debt counselor and strives as an outstanding partner for Debt Eezy, now under the Debt Centre umbrella, dealing his professional conduct in restructuring the debt of consumer’s accounts.

The best in the business.


Ashley Carstens – Debt Councillor


Ashley matriculated in 2005, and enrolled at UNISA (University of South Africa), studying his LLB course, paralegal in 2006, and graduated with his diploma in 2007. His legal experience came from his first apprenticeship at a lawyer firm in 2008, while he furthered his studies in debt counselling.Ashley became a registered debt counselor in 2009 and joined in with various Debt counselling companies where he gained his valuable experience in the industry.

In 2013 he was ready for the big leagues and decided to start his own firm, Debt Eezy, and soon afterwards, he grew into one of the best known debt counselling firms in the Western Cape.Today, Ashley operates a dedicated and busy call center, now under the flag of Debt Center, with a whole team of counselors and lawyers under one roof. His drive to use the latest technologies, and insurance to the POPI Act, the Consumer Protection Act, makes him stand out in his field of expertise.

He is also the proud winner of the Small Debt Counselor’s award category for July 2019.