Will debt review protect my home and vehicle?

Once you are under debt review and the process is correctly managed, credit providers are generally restricted from enforcing certain legal action. Your counsellor works to keep essential assets protected while negotiating affordable repayments.

How much can my monthly repayments reduce?

Reductions vary by income, expenses and credit agreements. Many clients see meaningful relief once interest, fees and repayment terms are renegotiated into a single affordable distribution plan.

Is debt review the same as debt consolidation?

No. Debt consolidation usually replaces debts with a new loan. Debt review is a regulated NCA process that restructures existing credit with legal protections and oversight by a registered debt counsellor.

How long does debt review take?

Timelines depend on your debt levels and repayment ability. Many consumers complete the process over several years, with clear milestones along the way. Your counsellor will outline a realistic plan during assessment.

DC Debt Clear

Take Control of Your Debt Today

Q: Who qualifies for debt review?

You may qualify if you are over-indebted — meaning your income is insufficient to meet all your credit obligations after reasonable living expenses. A free assessment confirms eligibility.

Reduce your monthly repayments legally while protecting your home, vehicle and future through the National Credit Act.

Free Debt Assessment How Debt Review Works

Debt Review South Africa · Registered debt counselling · Confidential help

Professional financial planning consultation

NCR Registered
National Credit Regulator compliant
NCA Protected
Rights under the National Credit Act
Confidential
Your information stays private
No Upfront Fee*
Assessment-first approach

Trusted debt help across South Africa

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Benefits of debt review

A regulated alternative to informal debt consolidation — designed for sustainable relief.

Lower monthly repayments

Restructure credit into one affordable payment based on your real living costs.

Legal protection

Gain National Credit Act protections while your counsellor engages creditors.

Asset-focused support

Act early to help protect your home, vehicle and essential livelihood.

One point of contact

Stop juggling multiple accounts — we help coordinate the process for you.

Interest & fee relief

Negotiate terms so more of your payment reduces capital, not charges.

Path to rehabilitation

Follow a structured plan toward becoming debt free and rebuilding credit.

Why choose DC Debt Clear

We combine legal process expertise with a modern client experience — clear steps, strong CTAs, and support that feels human.

Registered debt counselling
Processes aligned with the National Credit Regulator framework and NCA requirements.
Clear, modern advice
No jargon walls. We explain options, timelines and obligations in plain language.
Conversion-focused support
Strong guidance from first assessment through proposal, payments and clearance.
Confidential assessments
Share your situation safely and understand eligibility before you commit.

How the process works

Five clear steps from first conversation to long-term recovery.

1
Free assessment
Share income, expenses and debts for a confidential review.
2
Eligibility check
We confirm whether debt review is the right legal route.
3
Application
Enter debt review and notify credit providers formally.
4
Restructuring
Negotiate a single affordable repayment plan.
5
Become debt free
Stay on plan until clearance and financial recovery.

Client testimonials

Real stories from South Africans who took control of their debt.

“Within weeks of starting debt review, the calls stopped and my monthly repayments became manageable. I finally feel in control again.”

Debt review FAQ

Straight answers about debt counselling, the National Credit Act, and who qualifies.

Debt review (also called debt counselling) is a legal process under the National Credit Act that helps over-indebted consumers restructure repayments, gain protection from legal action, and work toward becoming debt free with a registered debt counsellor.