Understanding Your Rights as a Consumer in Debt Review

Have you been avoiding that voicemail from a creditor? Maybe it’s a letter you’ve shoved in a drawer unopened. Or you’re lying awake at night wondering what will happen if things don’t change soon. 

At Zero Debt, we’ve helped thousands of South Africans just like you. As one of the best debt review companies in South Africa, we know that knowledge is power and we’re here to help you understand your rights so you can feel a little more in control, starting today.

You Have the Right to Be Protected From Repossession

Once you’re under debt review, your credit providers can no longer take legal action against you. That includes repossessing your car or your home, provided no legal action has already started. 

This right is protected under the National Credit Act (NCA), which was specifically designed to protect over-indebted consumers from predatory lending and mounting legal pressure. You’re not alone, and you’re not powerless.

You Have the Right to an Affordable Repayment Plan

Under the debt review process, your debt counsellor works with you to create a single monthly repayment plan based on what you can realistically afford. This isn’t a short-term fix. It’s a comprehensive plan designed to help you survive day-to-day while clearing your debt without taking on more. 

The good news? Interest rates on unsecured loans can be reduced, sometimes by up to 100%. You’ll have enough left to live with dignity while still making steady progress.

You Have the Right to Be Treated With Respect

No more threatening calls. No more intimidation. Once you enter debt review, your creditors must deal directly with your counsellor. According to South Africa’s Consumer Protection Act and National Credit Act, you have the right to fair treatment and confidentiality. If anyone threatens you, demand that they speak to your debt counsellor. You are legally protected!

You Have the Right to Choose Your Debt Counsellor

Not all debt review companies are created equal. Choosing an NCR-registered, reputable partner like Zero Debt ensures you get the legal protection, honest advice and long-term support you need. We’ll never promise what we can’t deliver. But we will fight for you, every step of the way.

You Have the Right to a Clean Slate

Completing the debt review process gives you a clear credit record. Once you’ve paid off your restructured debt, your record is cleared, and you can begin rebuilding your financial future. You’re not marked for life. This is a step toward something better.

Gain stress-free financial control with one of the best debt review companies in South Africa.

FAQs and Answers

1. What happens to my car or home during debt review?
Your assets are protected under the National Credit Act as long as no legal action has started before entering debt review.

2. Will creditors still contact me while I’m under debt review?
No, creditors must deal directly with your debt counsellor once you are under debt review, protecting you from harassment.

3. Can my interest rates be reduced in debt review?
Yes, interest rates on unsecured debts can be negotiated and significantly reduced, sometimes by up to 100%.

4. Do I have the right to choose my debt counsellor?
Yes, you have the right to choose any NCR-registered debt counsellor you trust to handle your debt review.

5. Is my repayment plan based on what I can afford?
Yes, your debt counsellor will create a single monthly repayment plan that matches what you can realistically afford.

6. Will my credit record be cleared after debt review?
Once you’ve completed the process and paid your debts in full, your credit record will be cleared, giving you a fresh start.

7. Are my personal details kept confidential?
Absolutely, the debt review process is confidential and you are legally protected from unfair treatment or threats.

8. How does the National Credit Act protect me?
It ensures you are shielded from repossession and legal action, and guarantees you fair treatment throughout the debt review process.