23/09/2026
Debt review: know your options before you decide.
If debt repayments have become difficult to manage, debt review may provide a structured repayment plan based on an assessment of your finances. Your debt counsellor communicates with creditors and helps you work towards manageable payments. You must keep paying under the agreed arrangement, and you generally cannot take on further credit while under debt review.
Can you be removed from debt review? Yes, It depends on the stage of your case:
โข If you qualify for a clearance certificate, your debt counsellor can issue one under section 71 of the National Credit Act. This can include cases where eligible debts are settled while a home loan remains, provided the legal requirements are met.
โข If you were previously declared over-indebted and want to be removed as your circumstances have now improved, a court may consider evidence that you are no longer over-indebted and can meet your contractual payments.
Once a debt rearrangement order has been granted, simply stopping payments or asking to withdraw will not remove the debt review status. Missed payments can also put the arrangement at risk and allow creditors to pursue enforcement.
Donโt leave the matter unattended. Whether you need help managing your repayments or want to understand your removal options, we can assess your position and explain the appropriate next step.
WhatsApp 071 244 8570 | Call 087 814 0133
[email protected]
www.debtreliefspecialist.co.za
Debt Relief Specialist
Assessment required. Debt review is not a loan.