Debt Counselling Insights

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

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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Have Questions About Your Situation?

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