Debt review, credit records and the law.
Written and reviewed by a registered debt counsellor. General educational information — it does not replace an assessment of your own documents and legal position.
Every guide carries a named, registered debt counsellor.
- 28 December 2025
Entrepreneurial Finance Basics for Small Business Owners
Starting and growing a small business is one of the most powerful ways to create opportunity in Sub Saharan Africa. The region is full of energetic entrepreneurs who are determined to build better…
5 min - 28 December 2025
Understanding Credit Health and Responsible Borrowing in Kimberley
Managing credit has become an essential part of modern life, especially in a city like Kimberley where people work hard to build stable futures for their families. Whether you are planning to buy a…
5 min - 25 November 2025
Strengthening Your Credit Health
Credit health plays a significant role in everyday financial life in South Africa. Whether you want to purchase a home, secure vehicle finance or access favourable loan terms, your credit record…
4 min - 22 October 2025
Building an Emergency Fund While You're in Debt A Practical Guide
Living with debt can feel like walking on a tightrope. One unplanned expense, a medical bill, car repair or job loss, may force you back into deeper debt. An emergency fund gives you financial…
4 min - 28 September 2025
The Hidden Costs of Debt and How to Avoid Them
Debt is often seen as a straightforward agreement. You borrow a certain amount, repay it over time, and include interest as the price for using the lender's money. On paper, it seems simple. In…
5 min - 1 September 2025
Take control of your debt with a realistic budget and a workable payment plan
For many households, monthly debt obligations can feel relentless. The good news is that you can regain control by building a clear budget and a practical payment plan that fits real life. This guide…
4 min - 23 July 2025
Debt Relief Options in South Africa
Struggling under the weight of multiple credit obligations can leave you feeling trapped and anxious. South Africa's National Credit Act offers several formal debt relief solutions designed to help…
5 min - 19 June 2025
Judgements, Defaults and Credit Listings in South Africa. What They Mean and Why They Matter
Across South Africa, many individuals face financial barriers not because of current income or spending habits, but due to outdated or misunderstood entries on their credit records. Negative credit…
4 min - 18 May 2025
Breaking Free: What You Need to Know About Debt Review Removal in South Africa
In South Africa, thousands of consumers have turned to debt review as a means to cope with overwhelming debt. It is a regulated process that offers protection against legal action and provides a…
3 min - 22 April 2025
Reclaiming Financial Freedom: How Personal Loans and Debt Review Removal Can Give You a Fresh Start
For many South Africans, personal loans may seem like a quick fix during tough financial times. However, these loans often come with high interest rates and rigid repayment terms that can trap…
3 min - 18 March 2025
Debt Review Removal: A Smart Move Towards Financial Growth
For many South Africans, debt review is a crucial lifeline that provides much-needed financial relief. However, as financial circumstances improve, the restrictions of debt review can start to feel…
3 min - 23 February 2025
How Regaining Financial Freedom Transforms Your Life
Debt review is a structured process in South Africa designed to help over-indebted consumers manage their financial obligations. It offers protection from legal action and repossession, allowing…
5 min - 19 January 2025
Understanding the Process and Benefits of Debt Review Removal
For South Africans grappling with financial burdens, the debt review process offers a lifeline by restructuring debt and making monthly repayments manageable. However, while debt review provides…
4 min - 16 December 2024
Financial Planning Post-Debt Review: Building a Sustainable Future
Completing the debt review process is an achievement that brings immense relief and a sense of freedom. After months or years of careful budgeting, repayment, and financial discipline, you are now…
4 min - 17 November 2024
Understanding the Process of Debt Review Removal: A Path to Financial Independence
Debt review, also known as debt counselling, can be a lifeline for individuals overwhelmed by debt, offering protection from creditors and a structured path to paying off arrears. However, once debts…
4 min - 17 September 2024
The Importance of Clearing Your Name After Debt Review: Why It Matters for Your Financial Future
Debt review, also known as debt counselling, is a formal debt relief option designed to help individuals struggling with overwhelming financial obligations. It offers protection against legal action by…
4 min - 22 August 2024
How to Rebuild Your Credit Score After Debt Review
Debt review can be a lifesaver for many people facing overwhelming financial stress, but once you've successfully completed the process, the journey to financial recovery isn't over. One of the most…
4 min - 25 July 2024
Navigating the Debt Review Removal Process in South Africa with NDCSA
Debt review has been a crucial mechanism for many South Africans to regain control over their finances during challenging times. However, once the debt has been managed and stability achieved, removing…
2 min - 21 June 2024
Debt Review Removal: Your Path to Financial Freedom in South Africa
Debt review is a process designed to help over-indebted consumers manage their financial burdens. While it offers temporary relief, many individuals seek to exit debt review once their financial…
3 min - 2 June 2024
How Debt Review Removal Can Transform Your Financial Future
Debt review removal is a significant step towards regaining control over your financial future. For many South Africans, the burden of debt review can feel overwhelming, limiting opportunities and…
2 min - 20 April 2024
Debt Review Removal Versus ITC Clearance
Are you feeling the weight of debt pressing down on you, wondering if there's a way out? Financial struggles can be overwhelming, especially when debts pile up and creditors come knocking. Two terms…
2 min - 25 March 2024
Understanding the Permanency of Debt Review: How it Helps and Impacts You
In a world where financial stability can sometimes feel elusive, debt review stands out as a beacon of hope for many. It offers a structured approach to managing debts, providing relief and a pathway…
2 min - 27 February 2024
Is There a Quick Way to Remove a Debt Review from My Name?
Debt review can be a daunting process that often leaves individuals feeling trapped and overwhelmed by financial burdens. It's a necessary step for many who find themselves struggling to manage their…
2 min - 24 January 2024
Navigating Debt Review: Can You Go Under Debt Review for a Second Time?
Debt review is a financial intervention designed to assist individuals in managing their debt by restructuring and negotiating repayment terms with creditors. While it can be a helpful tool for those…
2 min - 21 December 2023
Marriage and Debt: Navigating the Tricky Relationship
Marriage is a beautiful journey that brings two individuals together to share their lives, dreams, and responsibilities. However, when it comes to finances, the union can sometimes be tricky,…
2 min - 26 November 2023
Securing a Comfortable Retirement: How NDCSA Can Help Remove Debt Reviews
Planning for a comfortable retirement involves more than just setting aside savings. It also requires careful consideration of your financial standing, including the management of debts. You are never…
2 min - 30 October 2023
The Often-Overlooked Factors in Debt Review Removal: Why You Need Professional Assistance
Dealing with financial difficulties can be incredibly challenging, and for many individuals, entering into a debt review process seems like the best way to regain control of their finances. However,…
3 min - 20 September 2023
The Psychological Impact of Debt: How Debt Review Removal Services Can Help
Debt can cast a long shadow over our lives, affecting not just our financial health but our mental and emotional well-being as well. The stress, anxiety, and uncertainty that often accompany debt can…
2 min - 3 August 2023
Navigating Loan Challenges in 2023: The Impact of Interest Rate Spikes and Inflation in South Africa
As we venture further into 2023, South Africa finds itself facing a unique financial landscape, one marked by interest rate spikes and a worrisome increase in inflation.
2 min - 23 July 2023
Am I Insolvent if I am under Debt Review? Exploring the Facts
Debt is a reality for many individuals, and it can often become overwhelming, leading them to seek financial assistance. In South Africa, one popular option is debt review, which helps individuals…
2 min - 26 June 2023
What are the costs involved in the debt review removal process?
If you are seeking to remove a debt review from your name, it is important to understand the costs associated with the process. In this blog we will discuss the various costs involved.
2 min - 18 May 2023
Understanding the Impact of Increased Interest Rates on Your Credit in South Africa
The South African economy is influenced by various factors, including interest rates set by the Reserve Bank. When interest rates rise, it can have a significant impact on individuals, particularly…
2 min - 17 April 2023
Is there a right time to make use of debt review removal services?
Debt review is a process designed to help individuals who are struggling with debt. It is a formal process that is regulated by the National Credit Regulator (NCR) in South Africa.
2 min - 10 April 2023
Is Debt Effecting Your Relationship?
Money is an essential aspect of our lives, and it plays a significant role in shaping our relationships. A poor financial situation can put a strain on your relationship in various ways. It is no…
2 min - 26 February 2023
Is it legal to remove a debt review from your name?
If the debt review process is done correctly, it is a process done through the credit bureau which is the recognized company in South Africa for collection of credit information and sharing this…
2 min - 18 January 2023
When does a debt review expire?
If this is one of the many debts related questions that you have, you have come to the right place to get the answers that you are looking for.
2 min - 19 December 2022
What are the benefits of ITC Clearance?
ITC Clearance is something that a lot of individuals require, especially in this fast-paced modern day and age that we are currently living in where responsibilities are increased.
2 min - 21 November 2022
Can My Monthly Loan Amounts Be Lowered and How?
Loans can be an extreme nuisance, and it can cause a lot of stress in your everyday life because of the uncertainty that comes with financial responsibilities, and especially when it is credit related.
2 min - 18 October 2022
Can my credit score influence my employment?
One would think that your credit score and employment are very unrelated, but contradictory to this idea, these two actually walk hand in hand.
2 min - 19 September 2022
How much does it cost to go under debt review?
There is no exact amount available because it differs from individual to individual, this is based on the fee that the debt councillor asks, the regulated debt counselling fees by the NCR and off…
2 min - 16 August 2022
Debt increasingly high in South Africa 2022
It is no secret that finances in South Africa is an ongoing concern for most individuals in the country and the concern is continuously growing.
2 min - 13 July 2022
What is a debt counsellor and why is this person important?
Debt counsellors are the professional people that assist individuals that want to or must go through the debt review process and debt review removal process, these are professional people with the…
2 min - 15 June 2022
Can I get a contract cell phone under debt review?
There are certainly some benefits of being under debt review, but at the same time a debt review can also restrict your purchase ability when it comes to credit agreements.
2 min - 16 May 2022
Looking to buy a car BUT currently under Debt Review?
When you are under Debt Review you are prepared that you will not be able to make any loan applications or get any credit facilities. This might be acceptable for the first period of the Debt Review.
2 min - 21 March 2022
Struggling to remove Debt Review from your name?
The truth is that sometimes it is hard enough to live your daily life being under debt review and trying to get a debt review removed from your name by yourself can make it even harder and more stressful.
2 min - 9 February 2022
Getting ITC Clearance Before Emigrating
There are a lot of people that plan to emigrate this year, due to financial stress in South Africa, safety issues, and work opportunities overseas.
2 min - 9 January 2022
Tips on the Debt Review Removal Process
Debt Review refers the action where a person is placed in a programme where their debt repayments are combined and lessened each month, the monthly repayment term might be extended because of the…
2 min - 10 December 2021
Time to scale up but still under debt review?
We are currently facing difficult times, especially with the current state of our economy, and with the virus looming around, this can be a major factor as to why you might have been under debt review…
2 min - 8 November 2021
Debt Review: If I proceed, can I stop?
This is one of the many questions that people have when it comes to being under a Debt Review. Debt Review refers to the way in which a professional assist you to register yourself for a period of…
2 min - 12 October 2021
Is it possible to get a default listing removed from my name; How?
Default listing is the term used to describe the action where a creditor lists you as a default payer if you continuously defy your repayment terms to the creditor and this is registered on the…
2 min - 14 September 2021
What is debt mediation service?
Debt mediation can also be called debt arbitration. Debt mediation as a service refers to the action where a professional debt counsellor assists in the meddling of payment arrangements originally made…
2 min - 7 August 2021
How to clear your name after debt review/debt counselling?
The stress and discomfort of being under debt review is hitting a lot of people these days, especially with the looming reality that we are currently in extra troubling times due to COVID. This can be…
2 min - 11 July 2021
Debt Review / Debt Counselling Removal: A Simplified Guide
Debt counselling or debt review refers to a regulated and legally protected process that assists people with outstanding debts, to pay back their loans and become debt-free. It does so by devising an…
2 min - Guide
Managing Student Debt and Personal Loans in Hatfield
Hatfield is a vibrant hub of students, young graduates and early professionals, centred around the University of Pretoria and the bustling local business district. It is a place filled with opportunity…
5 min - Guide
Navigating Life After Debt Review: A Path to Financial Freedom
Debt review offers a lifeline for individuals facing overwhelming debt, but what happens when your financial situation improves? Exiting the debt review process is essential for those who have regained…
2 min
Start by confirming your status.
Request a free initial assessment before choosing or paying for a removal route. Outcomes and timeframes depend on your own records and legal position.