Debt Counselling Insights

Practical advice and guides to help you understand your options and take control of your finances.

Is There a Minimum Debt Amount for Debt Review in South Africa?

South African law sets no fixed minimum debt balance for debt review. Qualification depends on your full financial position and whether a workable repayment plan is possible.

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7 min read

Smartphone Debt and Debt Review in South Africa: What to Do First

If your phone account has become the payment that breaks your budget, it may be a warning sign of wider over-indebtedness. This guide explains how smartphone-related debt fits into debt review in South Africa and what to do before taking another loan.

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7 min read

What Happens If You Miss a Debt Review Payment in South Africa?

Missing a debt review payment can feel frightening, but hiding from it usually makes the situation worse. This guide explains the practical next steps, what information to gather, and how a registered debt counsellor can help you assess your options.

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9 min read

Debt Review After Retrenchment or a Salary Drop: What South Africans Need to Do First

Retrenchment or a salary cut can put a debt repayment plan under immediate pressure. Here is what to do first, whether you are already under debt review or considering it now.

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12 min read

Debt Review Clearance Certificate — What It Means and When You Get It

Debt Review Clearance Certificate — What It Means and When You Get It Trustory Debt review in South Africa ends with a formal legal document — not a quiet handshake — and knowing exactly what that document is, when you receive it, and what it chan...

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12 min read

Debt Review Clearance Certificate — What It Means and When You Get It

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8 min read

Can’t Afford Your Bond Payment in South Africa? What to Do Before the Bank Acts

If your bond payment is becoming impossible, act before silence turns into arrears, legal notices, or repossession risk. Here is what South African homeowners should do first.

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8 min read

Can I Be Placed Under Debt Review Without Consent in South Africa?

Worried you were placed under debt review without consent? Learn what documents to request, what Form 16 means, and how to choose the safest next step.

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4 min read

I Can’t Afford My Car Payment in South Africa — What Are My Options?

If your car instalment has become unaffordable, don’t wait until the bank starts legal action. Here are the main options South Africans should consider.

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6 min read

What to Do When You Cannot Pay Your Debt in South Africa

A calm, practical South African guide for what to do first when you cannot pay your debt this month.

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7 min read

Debt Review in Bloemfontein: When It Helps and When It May Not Be Right

Debt review in Bloemfontein is the same NCR-regulated South African debt review process, but working with a local registered debt counsellor can make the process feel more personal and easier to understand. It may help q

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9 min read

Debt Review in Bloemfontein: When It Helps and When It May Not Be Right

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8 min read

Debt Review Alternatives – When to Choose Debt Consolidation, Debt Management Plans, or Bankruptcy

A plain South African guide to debt review alternatives, including debt consolidation, debt management plans and bankruptcy.

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10 min read

Debt Review Alternatives – When to Choose Debt Consolidation, Debt Management Plans, or Bankruptcy

A concise guide to debt‑review alternatives and how to pick the right one for your situation.

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8 min read

Rebuild Credit After Debt Review in South Africa – Step-by-Step Guide (2026)

<p Rebuild Credit After Debt Review in South Africa – StepbyStep Guide 2026</p <pDebt review in South Africa is a legal process that helps overindebted consumers regain financial control, and completing it is a major achievement—but the journey doesn...

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5 min read

How to Get Out of Debt Review in South Africa: Complete Legal Guide 2026

How to Get Out of Debt Review in South Africa: Complete Legal Guide 2026 Debt review in South Africa is a formal legal process under the National Credit Act 34 of 2005 where an NCRregistered debt counsellor negotiates with creditors to restructure y...

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7 min read

Debt Review and Business Ownership: What South African Entrepreneurs Need to Know

<p Debt Review and Business Ownership: What South African Entrepreneurs Need to Know</p <pDebt review in South Africa is a legal process designed to help overindebted consumers regain control of their finances through structured repayment plans, and ...

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8 min read

Debt Review and Your Spouse — What You Need to Know (2026)

How does debt review affect your spouse in South Africa? Whether you're married in community of property or have an ANC, here's what couples need to know — including a powerful reckless lending angle most counsellors miss.

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14 min read

Is Debt Review a Good Idea in South Africa? The Honest Answer (2026)

For most South Africans who are genuinely over-indebted, debt review is a good idea — but not for everyone. Here is the honest answer from NCR-registered debt counsellor Charlé Lombard, NCRDC4243.

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8 min read

How to Avoid Debt Review Scams in South Africa

Protect yourself from debt review scams: Identify red flags, verify counselors, and report fraud. Know your rights and secure your financial future.

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10 min read

How Long Does Debt Review Take in South Africa? A Realistic Timeline

Debt review in South Africa typically takes between 36 and 60 months to complete, depending on your total debt, your income, and how consistently you make payments.

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12 min read

How to Stop Creditor Harassment in South Africa: Your Complete Legal Guide

Know your legal rights when creditors won't stop calling. A step-by-step guide to ending harassment, filing complaints, and getting legal protection under South African law.

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7 min read

What Actually Happens When You Apply for Debt Review in South Africa

Not sure what to expect when you apply for debt review? Here's exactly what happens — step by step — from your first call to your first reduced payment.

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6 min read

Debt Counselling in Bloemfontein — What You Need to Know Before You Apply

If you're lying awake at night worried about bills, you're not alone. Here's everything Bloemfontein residents need to know about debt counselling before applying.

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6 min read

Does Debt Review Affect Your Credit Score?

Many South Africans avoid debt review because they fear it will destroy their credit score. The truth is more nuanced – and often more positive than you'd expect.

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5 min read

How Much Does Debt Counselling Cost in South Africa?

Debt counselling fees are regulated by the NCR and included in your monthly payment. There are no upfront costs or hidden fees.

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4 min read

Can I Keep My Car During Debt Review?

Yes, you can keep your car during debt review. Section 86 of the National Credit Act protects your assets while you're making payments.

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5 min read

What is Debt Review in South Africa?

Debt review is a legal process under the National Credit Act that helps over-indebted South Africans restructure their debt and protect their assets.

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6 min read

How Does Debt Counselling Work? Step-by-Step

A clear, step-by-step explanation of the debt counselling process in South Africa, from your first consultation to receiving your clearance certificate.

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4 min read

Debt Review vs Debt Consolidation: Which is Right for You?

Both help manage debt, but they work very differently. Here's how to choose between debt review and debt consolidation in South Africa.

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