Answers to your debt review questions
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Getting Started
Debt review is a legal process, regulated by the National Credit Regulator, that helps over-indebted consumers restructure their debt into one affordable monthly instalment while being protected from creditor action.
Most consumers with a regular income who are struggling to meet their monthly debt repayments qualify. A free assessment will confirm your specific eligibility.
We review your income, expenses and outstanding debts, then explain your options clearly — with no cost and no obligation to proceed.
Timeline & Process
The timeline depends on your total debt and monthly repayment capacity, but most clients see steady progress within the first few months of the plan.
Your counsellor prepares a proposal, negotiates with your creditors, and — once accepted — has the plan made an order of court for full legal protection.
Yes, once all your restructured debts are settled in full, your counsellor issues a clearance certificate confirming you have successfully completed the process.
Assets & Credit
Yes — one of the main benefits of debt review is legal protection from creditor action, including repossession, while you remain under review and keep to your plan.
A flag is placed on your credit profile while under review, and removed once you receive your clearance certificate. We provide guidance on rebuilding your credit profile afterward.
In most cases, yes. Your day-to-day banking is unaffected — debt review specifically restructures your credit repayments, not your everyday transactional account.
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