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Frequently Asked Questions
Will credit providers still debit my bank account?
When you apply for debt review, we notify your creditors to cancel your debit orders. We recommend opening a new bank account to prevent unauthorized debits.
Can I still rent a property if I am under debt review?
Yes, debt review is not classified as a credit agreement. We will include rent in your debt restructuring budget and provide a letter confirming your ability to pay rent.
What happens with my property bond if all my debt is paid off after I have completed the debt review term?
You can cancel the debt review process once all unsecured debt is paid off. If you cannot afford the full bond instalment, you can continue debt review until you are financially stable.
What costs will I incur by applying for debt review?
You will incur debt counselling fees and legal fees, which are regulated by the National Credit Regulator. These costs are incorporated into your debt restructuring plan, so no upfront fees are required.
Are there any accounts that do not get included?
Only credit agreements as defined in the National Credit Act are included. Doctor and cell phone accounts are excluded, as well as accounts where legal action has commenced.
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.
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