Legal protection and lower monthly repayments
Debt review is a formal, NCR-regulated process designed to help over-indebted consumers regain control — without losing their assets.
What is debt review?
Debt review (also known as debt counselling) is a legal process introduced under the National Credit Act. A registered debt counsellor assesses your income, expenses and debts, then negotiates a single, reduced monthly instalment with your creditors on your behalf.
Once you're under debt review, you're legally protected from creditor action such as garnishee orders or repossession, provided you keep up with your restructured payments.
Who is it for?
- Consumers struggling to meet multiple monthly debt repayments
- Anyone facing legal action or the threat of asset repossession
- People who want one simplified, affordable monthly payment
Why clients choose debt review
Legal Protection
Safeguarded from creditor lawsuits and repossession while under review.
Lower Repayments
One consolidated instalment, often significantly lower than your current total.
Keep Your Assets
Your home and vehicle stay protected as long as you honour the plan.
NCR Oversight
The entire process is regulated and monitored by the National Credit Regulator.
From application to court order
Application
We assess your full financial picture, confidentially.
Proposal
We calculate an affordable, restructured repayment plan.
Negotiation
We negotiate directly with each of your creditors.
Court Order
The plan is made an order of court for full legal protection.