Are there any accounts that do not get included?

Only credit agreements as defined in the National Credit Act may be included in the debt review process. Accounts such as doctor and cell phone accounts are excluded. Also excluded are accounts in respect of which legal action has been initiated (prior to your application for debt review) or where judgement and/or garnishee order(s) have been instituted.

Understanding which accounts are excluded from the debt review process is crucial for managing your financial journey effectively. At Zero Debt, we specialise in helping you navigate these complexities. Only credit agreements as defined in the National Credit Act are included in debt review, meaning accounts like doctor and cell phone bills are excluded. Additionally, any accounts where legal action has commenced before your debt review application, or where judgment or garnishee orders have been instituted, are also excluded. If you have any questions or need personalised assistance, our experienced consultants are here to guide you every step of the way. Contact us today to ensure you fully understand your options and make informed decisions. Reach out to us through our Contact Us page and take the first step towards a debt-free future. Our dedicated team is ready to provide the support and solutions you need. Don’t let uncertainty hold you back – contact Zero Debt now and let us help you achieve financial freedom.