Who Qualifies for Debt Review?
Eligibility guidelines for debt review in South Africa — what over-indebtedness means and how a counsellor assesses your application.
You may qualify for debt review if you are over-indebted — meaning your income is insufficient to meet all credit obligations after reasonable living expenses.
Common qualification indicators
- Credit card, personal loan and store account repayments exceed your surplus
- You are borrowing to cover existing repayments
- Legal letters or collection activity has started
- Essential expenses leave too little for contractual debt instalments
What a counsellor reviews
A registered debt counsellor examines income, household expenses, credit agreements and whether restructuring can create a realistic plan. This is why an assessment matters more than online quizzes alone.
Who may not be a fit
If your budget already covers debt comfortably, debt review may be unnecessary. If you need only short-term cash-flow advice, budgeting support might come first.
Next step
Use our eligibility checker on the resources page, then book a free assessment with DC Debt Clear for a definitive view.
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