Debt review is a legal process under the National Credit Act designed to help over‑indebted consumers. A registered debt counsellor assesses your finances, negotiates reduced monthly repayments with credit providers, and places you under a court‑approved repayment plan.

• Protection: Credit providers must stop legal action and harassment.
• Affordability: Payments are consolidated into one affordable amount.
• Outcome: Once completed, you receive a clearance certificate and can rebuild your credit.

See how our program works or book a free assessment.

Consolidation combines multiple debts into a new single loan—best for consumers who still qualify for normal credit. Debt review legally restructures existing debts—best for over‑indebted consumers needing protection and reduced repayments.

Unsure which suits you? Talk to us for a free assessment.

1. Settle qualifying debts under review and obtain paid‑up letters.
2. Your counsellor issues Form 19 and prepares your clearance pack.
3. We update your status with the NCR and credit bureaus.
4. You receive your clearance certificate and may access credit responsibly.

Check eligibility now: debt review removal.

• Keep all accounts current and avoid unnecessary credit.
• Use low‑limit products responsibly and pay in full monthly.
• Monitor your credit report and dispute inaccuracies.

Choosing an NCR‑registered counsellor ensures compliance with South African law and protects you through regulated processes, transparent fees, and oversight.