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  • FAQs

    FAQs

    We have the answers for you.

  • FAQs

    FAQs

    We have the answers for you.

Frequently Asked Questions

Here we provide answers to frequently asked questions that we receive from existing and new clients.  If you have any questions, please feel free to reach us and ask.


Losing your job while under debt review can have significant implications but there are ways to…

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Explore the necessity of court attendance for clients under debt review in this insightful article.…

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A credit report contains a person's financial information such as account status, credit history. if…

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If you are unemployed but married in COP, you can still apply for debt review provided that the…

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When one is unemployed, you cannot apply for debt review

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When one is under debt review, they cannot get a loan. Below we explain why.

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Debt consolidation promises one thing but delivers another. Here’s why you should skip debt…

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Advantages of debt counselling outweigh the disadvantages. Key among the advantages is the fact that…

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This is among the leading questions that l am asked on a daily basis during consultations with…

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Most creditors will stop once they receive the first payment. Should they continue you must advise…

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You will need all your creditors' names, account numbers, total balances and minimum monthly…

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In terms of section 88(1) of the National Credit Act (NCA) 34 of 2005, a consumer must not incur any…

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Credit providers can either accept or reject the debt plan. Should they reject the repayment plan,…

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If you miss a monthly payment, credit providers will terminate the plan and institute legal…

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You can pick the payment date that is best for you but you must choose a payment date within 30 days…

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We will look at your monthly income and consider your living expenses. A recommendation is then made…

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We send your details to all credit reporting agencies advising them of your credit counselling…

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Will there a permanent record of having undergone debt review with credit bureaus? Can one get…

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Will there be early settlement penalties when you are under debt review and you run into some money…

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When you appply for debt review all the debts for which a credit agreement was signed between you…

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Why do outstanding balances on the statement from my PDA and creditors differ?

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A consumer whose debts have been rearranged in terms of the NCA must be issued with a clearance…

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Debt review is a process that helps consumers that are struggling to service their monthly debt…

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Credit bureau is an entity that collects consumer credit information filed from any credit provider…

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National Credit Regulator (NCR) is a statutory entity that was established with the main aim of…

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What is the National Credit Act ('NCA')? Who are the major role players under the NCA? What rights…

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Knowing when to apply for debt review is critical for a consumer's rights and how the National…

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