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Debt Review

Debt Review is a legal and regulated process under South Africa’s National Credit Act (NCA), designed to help over-indebted South Africans regain financial stability.

At Debt Rescue, our NCR-registered counsellors have over 15 years of experience guiding clients through debt review. We negotiate with your creditors, restructure your debt into an affordable monthly payment, and protect your assets and credit record, helping you rebuild your financial future.

Debt Review

Debt Review is a legal and regulated process under South Africa’s National Credit Act (NCA), designed to help over-indebted South Africans regain financial stability.

At Debt Rescue, our NCR-registered counsellors have over 15 years of experience guiding clients through debt review. We negotiate with your creditors, restructure your debt into an affordable monthly payment, and protect your assets and credit record, helping you rebuild your financial future.

Why
Debt Review Works

Debt Review is a structured, long-term solution that allows you to:

  • Reduce your monthly repayments to what you can realistically afford
  • Make one consolidated payment through a Payment Distribution Agency (PDA)
  • Protect your home, vehicle, and essential assets
  • Benefit from Debt Rescue’s extensive experience, ensuring safe and effective debt restructuring
  • Work toward full financial rehabilitation with a court-approved plan

How Debt Review Works:
Step-by-Step

Step 1

Free Debt Assessment

  • We evaluate your income, expenses, and total debt to determine over-indebtedness.
  • Receive personalised advice on whether debt review is the right solution for you.

Step 2

Customised Debt Review Plan

  • NCR-registered counsellors create a tailored repayment plan, factoring in essential living expenses.
  • Your new payment schedule ensures affordability and sustainability.

Step 3

Notification to Creditors
& Legal Protection

  • Credit providers and credit bureaus are informed that you are under debt review.
  • You gain immediate legal protection, preventing creditor harassment and legal action.

Step 4

Negotiation with Creditors

  • Debt Rescue negotiates lower interest rates and extended repayment terms.
  • Ensures a manageable repayment schedule that fits your lifestyle.

Step 5

Court Approval

  • The plan is submitted to the Magistrate’s Court.
  • Once approved, it becomes legally binding, giving you full protection.

Step 6

Single Payment via PDA

  • Make one consolidated monthly payment through a Payment Distribution Agency.
  • Simplifies your finances and ensures payments are correctly distributed to creditors.

Step 7

Clearance Certificate
& Exit from Debt Review

  • Once all debts are repaid, you receive a clearance certificate.
  • NCR updates your credit record, and you are free to re-enter the credit market with a clean slate.

Debt Rescue serves all major cities and regions in South Africa, including Johannesburg, Cape Town, Durban, Pretoria, Port Elizabeth, and Bloemfontein.

• Online and in-person consultations available — debt review is accessible wherever you live.
• Ensure structured, affordable debt relief without geographic limits.

What is Debt Review?

Debt Review is a legal process under the NCA to help over-indebted consumers manage their debts.
Debt Rescue creates customised repayment plans that reduce monthly payments while protecting assets.

• How does debt review protect me from creditors? Creditors cannot repossess assets or take legal action once you are under debt review.

• Debt Review vs Debt Counselling Debt counselling is the broader concept, while debt review is the formal, court-approved process.

For a more information, please see our debt counselling and debt review guide.

Who is eligible?

Over-indebted South African consumers with regular income.
Must be willing to work with Debt Rescue’s NCR-registered counsellors.

Can unemployed individuals qualify?
Each case is assessed individually. Our team guides applicants based on income and debt situation.

Online Debt Review Application
Apply for debt review online with Debt Rescue — fast, secure, and NCR-compliant.

  • How payments work: single monthly payment via PDA covering all creditors
  • Missed payments: Debt Rescue helps manage emergencies without jeopardising the plan
  • Budgeting support: Guidance to cover essentials while repaying debt
  • Debt Review is NCA-compliant and court-approved.
  • Debt Rescue’s counsellors are NCR-registered, ensuring expert guidance.
  • Protects you from creditor action, repossession, and harassment throughout the process.
  • Experience matters: Over 15 years helping South Africans regain financial freedom
  • Trusted and registered: NCR-registered counsellors ensure legal compliance and safe debt management
  • Personalised support: Tailored repayment plans for your unique financial situation
  • Nationwide access: Online or in-person services, wherever you are
  • Results-focused: Reduced payments, legal protection, and a clear path to financial freedom.

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