The formal process to protect your assets from creditors that have a debt claim against you. The National Credit Act prescribes how you as a consumer can seek relief in the case of over-indebtedness. By utilising our services you would be accessing that particular right as a consumer in distress. It is the responsibility of all Credit Providers who adhere to Section 86 (5)(a) of the act to act in good faith in the Debt Review Process. All negotiations should be designed to result in a responsible debt re-arrangement plan for their client.