Over-indebted? ? We can help! Being over-indebted is not a shame or a reflection of you as a person due to numerous life events that happen to all of us... But it is a shame and a very poor refection if you continue being in denial of your position and do not reach out and seek help before it destroys you and your family. Call us at d & r incorporated and we will be your helping hand in very bad times or visit our webpage at WWW. Drincorporated. Co. Za and leave us a message to phone you back. We have 4 branches in Kzn and they are: Pietermaritzburg on 033-343 6491. Durban on 031-304 7205. Kokstad on 039-727 5372. Matatiele on 039-737 3050.