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Debt review is a regulated South African process that may help over-indebted consumers restructure repayments with guidance from a registered debt counsellor.
Private assessment
All terms are explained before you proceed.
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Back to HomeA registered debt counsellor can assess affordability and explain whether debt review is suitable for you.
If you are over-indebted, a registered counsellor may propose a restructured repayment plan based on your circumstances.
A proposal may adjust repayment terms to better reflect your available monthly budget.
Approved arrangements may consolidate distributions to participating credit providers.
Your assessment and proposal are managed through the formal debt counselling process.
Four clear stages from your initial assessment to a structured repayment arrangement.
Complete the secure form so your financial position can be assessed.
A registered debt counsellor reviews affordability and explains the process.
If suitable, a restructuring proposal is prepared for your credit providers.
Once approved, payments follow the agreed arrangement and process.
A registered counsellor assesses your position and, where appropriate, develops a proposal for a more sustainable repayment path.
MONTHLY COMMITMENTS
MULTIPLE CREDITORS
REGISTERED PROCESS
CREDIT PROFILE
ONGOING SUPPORT
Debt review is not suitable for everyone. While formally under debt review, consumers generally may not take further credit. Fees, timelines, court or tribunal processes and outcomes vary.
One private enquiry can connect you with a registered South African debt review provider.
Debt review operates within South Africa’s formal credit-regulation framework.
Your affordability assessment is handled by a registered debt counsellor.
A suitable proposal may create a clearer, more manageable repayment path.
Helpful South African support is available throughout the process.
Clear essentials about assessment, repayment restructuring and your responsibilities while under debt review.
Debt review, also called debt counselling, is a regulated process for consumers who may be over-indebted. A registered debt counsellor assesses affordability and may recommend a restructured repayment proposal.
Credit providers and credit bureaus are notified when a formal debt review application is made, and a debt counselling indicator may appear on your credit profile. The provider should explain how clearance is recorded when the process is completed.
Consumers formally under debt review generally may not enter into new credit agreements until the applicable debts have been settled and the required clearance process has been completed.
The duration depends on your balances, affordability, repayment proposal, creditor responses and legal process. Your counsellor should provide an estimate based on your circumstances.
Applicable counselling, legal and payment-distribution fees depend on the regulated process and your matter. A provider should disclose the fees clearly before you proceed.
Withdrawal is not always possible once formal findings or court processes are in place. Ask a registered debt counsellor to explain the rules that apply to your stage of the process.