You should consider debt review if you are unable to pay off your debt repayments, whether now or in the immediate future. By going under debt review you will ensure the protection of your assets and avoid legal action by your credit providers.

The exact cost will depend on the type of debt you have and your monthly repayment amounts, however you will incur debt counselling fees and legal fees. Both the debt counselling fees, and legal fees are incorporated into your debt restructuring plan, which means that you will not need to pay any upfront fees for your debt review application to be processed. The debt counselling fess we charge are regulated by the National Credit Regulator [NCR] and should be the same regardless of which registered debt review company you use. Legal fees are also determined based on the type of debt that you have and your monthly repayment amount.

No, you will never have to attend any court proceedings while seeking debt review services. Our nominated attorney will obtain the court order for you and the legal fees relating to the court order are included in your reduced monthly debt repayment amount.

The National Credit Regulator [NCR] is an independent body that was established by National Credit Act [NCA] 34 of 2005to protect South African consumers.

As everyone debt review plan is different, the amount of time, the process takes to complete will vary from person to person. Depending on your circumstances, it can take between 3 to 5 years to get rid of all your debt, depending on amount of debt you have, how much you can afford to repay monthly.

No, unfortunately debt review requires a regular income to pay your credit providers under the terms of the payment plan.

The duration varies based on individual circumstances, typically ranging from 3 to 5 years, depending on your debt amount and repayment capacity.

Section 129 notice is the last step before your creditors take legal action against you, under no circumstances should be ignored.