Debt Counselling in South Africa
Debt counselling is the formal name for the service that helps over-indebted consumers set up a structured repayment plan under the National Credit Act.
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What is debt counselling?
Debt counselling is the term the National Credit Act uses for the service provided by registered debt counsellors. In everyday conversation it is usually called debt review. A debt counsellor looks at your income, living costs and debts to work out whether you are over-indebted.
How the process works
- You request an assessment and share your income, expenses and debts.
- The debt counsellor assesses whether you are over-indebted.
- If you qualify, a repayment plan is proposed to your credit providers.
- The arrangement may be confirmed by a court or the National Consumer Tribunal.
- Credit providers and credit bureaus are notified when debt review begins.
Important: Your credit profile will show that you are under debt review, and you generally cannot take on new credit while it applies. Outcomes depend on your individual circumstances.
Related pages
Read more about Debt Review, Debt Review Removal or our frequently asked questions.