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Knowledge Base

Expert guides on debt review, debt counselling, and financial recovery in South Africa. Written by NCR-registered debt counsellors.

What Is Debt Review and How Does It Work?

What Is Debt Review and How Does It Work?

A complete guide to the debt review process in South Africa — what it is, how it works, and who qualifies under the National Credit Act.

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Debt Review vs Debt Consolidation

Debt Review vs Debt Consolidation

Understand the key differences between debt review and debt consolidation to choose the right solution for your financial situation.

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How to Get Out of Debt in South Africa

How to Get Out of Debt in South Africa

Practical strategies and legal options to help you break free from debt in South Africa, from budgeting tips to formal debt relief.

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How Much Does Debt Review Cost?

How Much Does Debt Review Cost?

A transparent breakdown of all debt review fees in South Africa — what you pay, when you pay it, and how fees are regulated by the NCR.

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The Debt Review Process Step by Step

The Debt Review Process Step by Step

Follow the complete debt review journey from application to clearance certificate. Every step explained in plain language.

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Can I Lose My Car in Debt Review?

Can I Lose My Car in Debt Review?

Find out how debt review protects your vehicle from repossession and what happens to your car finance during the process.

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Can I Lose My House in Debt Review?

Can I Lose My House in Debt Review?

Learn how debt review protects your home from repossession and what the National Credit Act says about your mortgage.

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What Happens If I Stop Paying Debt Review?

What Happens If I Stop Paying Debt Review?

Understand the consequences of missing debt review payments and what options are available if you can no longer afford your plan.

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Section 129 Notice — What It Means and What to Do

Section 129 Notice — What It Means and What to Do

Received a Section 129 letter? Learn what it means, your legal rights, and why acting quickly could save your assets.

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Life After Debt Review — What to Expect

Life After Debt Review — What to Expect

What happens when you complete debt review? From clearance certificates to rebuilding your credit score — your guide to financial freedom.

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