Frequently Asked Questions on Debt Review in South Africa
Many South Africans considering debt review want clear answers before taking the first step. Debt review can feel overwhelming, but understanding the process, eligibility, and benefits helps you make informed decisions. Below, we’ve compiled the most common questions we receive from clients and website visitors.
Our NCR-registered debt counsellors provide personalised guidance and support to help you lower monthly repayments, protect your assets, and regain financial control.
1. Can I still rent a property while under debt review in South Africa?
Yes. Renting a property is not affected by your debt review status. In most cases, landlords may request a letter from your debt counsellor confirming your available surplus.
Need help preparing this letter? Contact our debt counsellors today.
2. How long does it take to get relief from my debts?
You will receive immediate protection once your debt review application is submitted. For the first 60 working days, creditors cannot take legal action or repossess assets. During this time, your debt counsellor prepares the final repayment plan.
Start your debt review application now to stop creditor pressure quickly.
3. Does my location matter for debt review?
No. The entire application process can be completed via email and telephone. We assist clients nationwide in South Africa, including Johannesburg, Pretoria, Cape Town, Durban, and Port Elizabeth.
4. Will creditors still contact me once I’m under debt review?
No. Once your debt review is approved, your debt counsellor informs all creditors that you are under the program. Creditors are legally required to communicate only through your debt counsellor.
5. Can I apply for debt review if I’m unemployed?
No. You must have a monthly income that your debt counsellor can use to distribute among creditors.
Unsure if you qualify? Contact us for a free financial assessment.
6. How do I start a debt review application in South Africa?
Simply contact an NCR-registered debt counsellor. They will review your income, expenses, and debts, then guide you through completing the required forms and submitting them to creditors.
7. Will debt review affect my credit score or lead to blacklisting?
Debt review may appear on your credit record while active, but it protects you from legal action and creditor harassment. Once your repayment plan is complete, your status is cleared, and you can restore your financial standing.
8. What documents do I need for debt review?
Typically, you will need:
- ID document
- Proof of income (payslips, bank statements)
- Current account statements for all creditors
Your debt counsellor will provide a complete checklist and assist with submission.
9. Can I include all my debts in one debt review plan?
Yes. Most unsecured debts such as credit cards, personal loans, and retail accounts can be included. Your debt counsellor will confirm eligibility for each creditor.
10. How long does a debt review repayment plan last?
The duration depends on your total debt and affordable monthly repayment. Debt review continues until all included debts are repaid. Your debt counsellor will provide a clear timeline during your consultation.
✅ Take the First Step Toward Financial Freedom
If you are struggling with debt in South Africa, our experienced NCR-registered debt counsellors are ready to help you:
- Lower your monthly repayments
- Protect your assets from legal action
- Restore control of your finances.
Contact us today for a free, confidential debt assessment and find out if you qualify for debt review. Financial relief is just a call or click away.