Frequently Asked Questions About Debt Review

You qualify if you are over-indebted—meaning you are already behind on payments or at risk of falling behind—and have a monthly income. You can still qualify even if you are blacklisted or have a poor credit record. Unemployed consumers unfortunately do not qualify.

No. A monthly income is required so that we can propose a reduced repayment plan to your creditors. If you are unemployed, we recommend finding work first and then contacting us if you remain over-indebted.

If you cannot meet your debt repayments now or in the near future, debt review can help you avoid legal action, protect your assets, and make your monthly payments more affordable by reducing both interest rates and instalments.

If you are over-indebted, you won’t qualify for a debt consolidation loan—not with us or any other provider. The only proven way to protect your assets and get legal protection from creditors is through debt review. Our process consolidates your existing debt into one affordable monthly repayment, reduces your interest rates, and helps clear your credit record once you’ve completed your restructured debt plan.

No. Our nominated attorneys will obtain the necessary court order for you. The legal fees are built into your restructured monthly payment.

Once you apply for debt review, we notify all your creditors. If they contact you, simply refer them to your consultant. They are not legally allowed to harass or demand payment from you directly.

Costs depend on your debt type and monthly repayment amount. Both counselling and legal fees are included in your restructured repayment plan—no upfront payments required. Fees are regulated by the National Credit Regulator.

It depends on the type of debt. For unsecured loans, yes, it’s possible. However, secured debts like property bonds and vehicle finance cannot usually be reduced that much. Be cautious of any company that promises extreme reductions across all debt types.

You and your spouse must apply jointly if you are married in community of property. We cannot process single applications in these cases.