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Frequently Asked Questions
Am I over-indebted?
If you are struggling to repay your debt, have fallen behind, or are at risk of falling behind, you may be over-indebted. Request a callback for a free debt assessment.
Is debt review the same as being put under administration?
No, administration applies to consumers whose total debt does not exceed R50,000. Debt review is usually faster and less costly, aiming for a debt-free status within 36-60 months.
How long will it take before I feel relief?
You will feel immediate relief. Within the first 5 days, we will work out a provisional repayment plan. During the first 60 working days, credit providers cannot implement legal action.
Will I be listed on ITC or the credit bureau?
You cannot be listed on ITC when under debt review. We notify the credit bureaus to flag your name, indicating that you are under debt review.
Can I apply for debt review if I am unemployed?
No, you need a monthly income to qualify for debt review. We suggest finding employment and then contacting us for assistance with your debt if you are over-indebted.
What is the term or period for this process?
We work out the best debt restructuring proposal, aiming to reduce interest rates and monthly debt obligations, enabling you to repay debt while covering living expenses.
Will my employer know I am under debt review?
No, your debt review application is treated as fully confidential. We will never contact your employer for any information or to confirm anything.
A credit provider has obtained a garnishee order against my salary. Can I include this account in my debt review application?
If a credit provider has already obtained a garnishee order, that debt cannot be included in your debt review. However, we can assist you in managing the rest of your debt more effectively.
If I am placed under debt review, will my credit providers still contact me?
Once you apply for debt review, we will notify your credit providers, and they are required to communicate with your debt counsellor, not with you directly.
Will I be required to go to court?
No, part of our debt review process is to obtain a court order on your behalf. Our nominated attorneys will handle this process for you, and you won’t need to attend court proceedings.
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