[{"data":1,"prerenderedAt":460},["ShallowReactive",2],{"\u002Fblog\u002Fwhat-is-debt-review":3,"related-\u002Fblog\u002Fwhat-is-debt-review":124},{"_path":4,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":8,"description":9,"date":10,"category":11,"readingTime":12,"author":13,"image":14,"body":15,"_type":118,"_id":119,"_source":120,"_file":121,"_stem":122,"_extension":123},"\u002Fblog\u002Fwhat-is-debt-review","blog",false,"","What is Debt Review?","A clear explanation of debt review in South Africa, how the National Credit Act protects consumers, and what to expect from a registered debt counsellor.","2025-11-12","Debt Review","7 min read","DC Debt Clear","https:\u002F\u002Fimages.unsplash.com\u002Fphoto-1554224155-6726b3ff858f?auto=format&fit=crop&w=1200&q=80",{"type":16,"children":17,"toc":112},"root",[18,34,41,46,52,82,88,100],{"type":19,"tag":20,"props":21,"children":22},"element","p",{},[23,26,32],{"type":24,"value":25},"text","Debt review — also called debt counselling — is a legal process created by the ",{"type":19,"tag":27,"props":28,"children":29},"strong",{},[30],{"type":24,"value":31},"National Credit Act",{"type":24,"value":33}," to help over-indebted consumers regain control of their finances.",{"type":19,"tag":35,"props":36,"children":38},"h2",{"id":37},"why-debt-review-exists",[39],{"type":24,"value":40},"Why debt review exists",{"type":19,"tag":20,"props":42,"children":43},{},[44],{"type":24,"value":45},"When monthly credit repayments exceed what a household can afford after reasonable living expenses, informal “debt help” promises often make things worse. 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A free assessment confirms whether those benefits are realistic in your case.",{"title":7,"searchDepth":113,"depth":113,"links":220},[221,229],{"id":148,"depth":113,"text":151,"children":222},[223,225,226,227,228],{"id":155,"depth":224,"text":158},3,{"id":166,"depth":224,"text":169},{"id":177,"depth":224,"text":180},{"id":188,"depth":224,"text":191},{"id":199,"depth":224,"text":202},{"id":210,"depth":113,"text":213},"content:blog:benefits-of-debt-review.md","blog\u002Fbenefits-of-debt-review.md","blog\u002Fbenefits-of-debt-review",{"_path":234,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":235,"description":236,"date":237,"category":238,"readingTime":239,"author":13,"image":240,"body":241,"_type":118,"_id":331,"_source":120,"_file":332,"_stem":333,"_extension":123},"\u002Fblog\u002Fcan-debt-review-stop-repossession","Can Debt Review Stop Repossession?","Learn how debt review can help protect your home and vehicle, what it can and cannot guarantee, and why early action matters.","2026-01-14","Asset Protection","8 min read","https:\u002F\u002Fimages.unsplash.com\u002Fphoto-1560518883-ce09059eeffa?auto=format&fit=crop&w=1200&q=80",{"type":16,"children":242,"toc":325},[243,255,261,266,272,277,283,314,320],{"type":19,"tag":20,"props":244,"children":245},{},[246,248,253],{"type":24,"value":247},"Fear of losing a home or vehicle pushes many South Africans to search for urgent ",{"type":19,"tag":27,"props":249,"children":250},{},[251],{"type":24,"value":252},"debt help",{"type":24,"value":254},". Debt review can strengthen your position — especially when you act early — but outcomes depend on timing, cooperation and the specifics of each credit agreement.",{"type":19,"tag":35,"props":256,"children":258},{"id":257},"how-debt-review-helps-with-asset-pressure",[259],{"type":24,"value":260},"How debt review helps with asset pressure",{"type":19,"tag":20,"props":262,"children":263},{},[264],{"type":24,"value":265},"Once you are properly under debt review, credit providers are constrained in how they pursue certain enforcement steps. Your counsellor’s role includes engaging providers, preparing affordable proposals and keeping the process legally aligned.",{"type":19,"tag":35,"props":267,"children":269},{"id":268},"what-debt-review-cannot-promise",[270],{"type":24,"value":271},"What debt review cannot promise",{"type":19,"tag":20,"props":273,"children":274},{},[275],{"type":24,"value":276},"No ethical debt counsellor can guarantee that repossession will never occur in every scenario. 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Used promptly, it can create space to protect essentials while reducing monthly pressure.",{"title":7,"searchDepth":113,"depth":113,"links":326},[327,328,329,330],{"id":257,"depth":113,"text":260},{"id":268,"depth":113,"text":271},{"id":279,"depth":113,"text":282},{"id":316,"depth":113,"text":319},"content:blog:can-debt-review-stop-repossession.md","blog\u002Fcan-debt-review-stop-repossession.md","blog\u002Fcan-debt-review-stop-repossession",{"_path":335,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":336,"description":337,"date":338,"category":339,"readingTime":12,"author":13,"image":340,"body":341,"_type":118,"_id":457,"_source":120,"_file":458,"_stem":459,"_extension":123},"\u002Fblog\u002Fdebt-review-myths","Debt Review Myths","Debunking common myths about debt review in South Africa — from credit records to asset loss and counsellor fees.","2026-04-01","Education","https:\u002F\u002Fimages.unsplash.com\u002Fphoto-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1200&q=80",{"type":16,"children":342,"toc":450},[343,355,361,371,377,386,392,408,414,430,436,445],{"type":19,"tag":20,"props":344,"children":345},{},[346,348,353],{"type":24,"value":347},"Misinformation stops people from seeking regulated ",{"type":19,"tag":27,"props":349,"children":350},{},[351],{"type":24,"value":352},"debt counselling",{"type":24,"value":354},". Here are myths we hear every week — and the clearer reality.",{"type":19,"tag":35,"props":356,"children":358},{"id":357},"myth-1-debt-review-erases-your-debt-overnight",[359],{"type":24,"value":360},"Myth 1: Debt review erases your debt overnight",{"type":19,"tag":20,"props":362,"children":363},{},[364,369],{"type":19,"tag":27,"props":365,"children":366},{},[367],{"type":24,"value":368},"Reality:",{"type":24,"value":370}," Debt review restructures repayments. Balances are still addressed over time through an affordable plan.",{"type":19,"tag":35,"props":372,"children":374},{"id":373},"myth-2-you-automatically-lose-your-house",[375],{"type":24,"value":376},"Myth 2: You automatically lose your house",{"type":19,"tag":20,"props":378,"children":379},{},[380,384],{"type":19,"tag":27,"props":381,"children":382},{},[383],{"type":24,"value":368},{"type":24,"value":385}," Debt review is often used specifically to help protect essential assets by intervening before enforcement escalates.",{"type":19,"tag":35,"props":387,"children":389},{"id":388},"myth-3-only-failed-people-use-debt-counsellors",[390],{"type":24,"value":391},"Myth 3: Only “failed” people use debt counsellors",{"type":19,"tag":20,"props":393,"children":394},{},[395,399,401,406],{"type":19,"tag":27,"props":396,"children":397},{},[398],{"type":24,"value":368},{"type":24,"value":400}," Over-indebtedness can follow medical events, divorce, job changes or interest rate shocks. Seeking a ",{"type":19,"tag":27,"props":402,"children":403},{},[404],{"type":24,"value":405},"debt counsellor",{"type":24,"value":407}," is a responsible legal step.",{"type":19,"tag":35,"props":409,"children":411},{"id":410},"myth-4-consolidation-is-always-better",[412],{"type":24,"value":413},"Myth 4: Consolidation is always better",{"type":19,"tag":20,"props":415,"children":416},{},[417,421,423,428],{"type":19,"tag":27,"props":418,"children":419},{},[420],{"type":24,"value":368},{"type":24,"value":422}," A new consolidation loan is not automatically safer. For many consumers, debt review is the stronger ",{"type":19,"tag":27,"props":424,"children":425},{},[426],{"type":24,"value":427},"debt consolidation alternative",{"type":24,"value":429},".",{"type":19,"tag":35,"props":431,"children":433},{"id":432},"myth-5-you-can-keep-taking-new-credit-as-usual",[434],{"type":24,"value":435},"Myth 5: You can keep taking new credit as usual",{"type":19,"tag":20,"props":437,"children":438},{},[439,443],{"type":19,"tag":27,"props":440,"children":441},{},[442],{"type":24,"value":368},{"type":24,"value":444}," While under debt review you are generally restricted from new credit — which is part of how rehabilitation works.",{"type":19,"tag":20,"props":446,"children":447},{},[448],{"type":24,"value":449},"Understanding the facts makes the National Credit Act process far less intimidating.",{"title":7,"searchDepth":113,"depth":113,"links":451},[452,453,454,455,456],{"id":357,"depth":113,"text":360},{"id":373,"depth":113,"text":376},{"id":388,"depth":113,"text":391},{"id":410,"depth":113,"text":413},{"id":432,"depth":113,"text":435},"content:blog:debt-review-myths.md","blog\u002Fdebt-review-myths.md","blog\u002Fdebt-review-myths",1784590168713]