About Us
 What is Debt Counselling?
 Benefits of Debt Review
 The Process
 When on Review
 Are you in Debt?
 What do Counsellors do?
 Who should Apply - Debt Review
 How to get out of Debt
 Why use a counsellor?
 Why pay Fees?
 FAQ's about Review
 More Information
 Consolidation vs Review
 How do I Apply?
 Contact Us

Debt Review

Debt Review is a process in terms of the National Credit Act for over indebted consumers. The purpose of the act is to protect the over indebted consumer against Credit providers. The first step in the process is to get the help from a debt counsellor and we do recommend that you do work with a company that has a NCR number and thus is registered with the NCR.

You will need to provide the debt company with information and documents as your ID document and Salary slip. The debt counsellor will then take all the information and determine if you are able to repay your debts monthly or not. Remember to be completely honest and provide all the relevant information as well as expenses. The debt counsellor will then draw up and income and expense document to determine truly if you are able to repay your debts and give this final numbers to you. If you are not able to repay your debts, the official process of registering for debt counselling will start. There are a few fees involved and remember to make sure with your debt counsellor about these fees.

These include an application fee, a rejecting and restructuring fee, monthly fee and legal fees. The debt counsellor will then all your creditors and follow up on the outstanding amounts and well as contact the bureaus to let them know that you are under review. If all the creditors are happy with the payment terms, a legal consent will be giving, stating that the terms have been agreed to and cannot be changed later on.

The applicant must then from his/her side comply and stay up to date with the monthly repayments. This is the review process in short and if you do feel that you do need the help of a review company to assist you with debt counselling, please complete the enquiry form below and we will get back to you as soon as possible.

Our purpose is to provide Consumers with financial security and freedom:
  • protection in terms of the National Credit Act
  • budget planning
  • certainty of outstanding debt and balances
  • direct negotiations with credit providers by Debt Counsellor
  • confidential management of finance
  • professional service and knowledge
  • financial freedom

Featured: Benefits of Debt Review

There are quite a few benefits of review and since we get asked this question allot, we decided to outline these benefits for you.


Featured: Guide of a Debt Review Application

We found that potential debt review applicants need and want to know the steps of the application process. We made a short summary for you, to provide you some indication of what to expect.


Featured: Information on Debt Review

With the current economy and regular increase of costs of basic needs, people are more and more in debt and in need of help. Most people are too proud to ask for assistance before its too late. If you feel you are in need of help or creditors phoning you frequently ... you need to be realistic and apply to be under review.


Enquiry Form:
Please complete the enquiry form and one of our debt counsellors will contact you.

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Enter Code: Debt Review

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Home | About Us | Debt Counselling | Contact Us | Benefits | Guide of a Review Application | Draw back when on review | Are you in Debt? | What do Counsellors do? | How to get out of Debt? | Who should apply for review? | Why use a Counsellor? | Why pay fees to Counsellor? | FAQ about Review | Information on Review | Consolidation vs Review | How do I apply for Review?