[{"data":1,"prerenderedAt":455},["ShallowReactive",2],{"\u002Fblog\u002Fwho-qualifies-for-debt-review":3,"related-\u002Fblog\u002Fwho-qualifies-for-debt-review":119},{"_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":113,"_id":114,"_source":115,"_file":116,"_stem":117,"_extension":118},"\u002Fblog\u002Fwho-qualifies-for-debt-review","blog",false,"","Who Qualifies for Debt Review?","Eligibility guidelines for debt review in South Africa — what over-indebtedness means and how a counsellor assesses your application.","2026-03-08","Eligibility","5 min read","DC Debt Clear","https:\u002F\u002Fimages.unsplash.com\u002Fphoto-1434626881859-194d67b2b86f?auto=format&fit=crop&w=1200&q=80",{"type":16,"children":17,"toc":106},"root",[18,34,41,66,72,84,90,95,101],{"type":19,"tag":20,"props":21,"children":22},"element","p",{},[23,26,32],{"type":24,"value":25},"text","You may qualify for debt review if you are ",{"type":19,"tag":27,"props":28,"children":29},"strong",{},[30],{"type":24,"value":31},"over-indebted",{"type":24,"value":33}," — meaning your income is insufficient to meet all credit obligations after reasonable living expenses.",{"type":19,"tag":35,"props":36,"children":38},"h2",{"id":37},"common-qualification-indicators",[39],{"type":24,"value":40},"Common qualification indicators",{"type":19,"tag":42,"props":43,"children":44},"ul",{},[45,51,56,61],{"type":19,"tag":46,"props":47,"children":48},"li",{},[49],{"type":24,"value":50},"Credit card, personal loan and store account repayments exceed your surplus",{"type":19,"tag":46,"props":52,"children":53},{},[54],{"type":24,"value":55},"You are borrowing to cover existing repayments",{"type":19,"tag":46,"props":57,"children":58},{},[59],{"type":24,"value":60},"Legal letters or collection activity has started",{"type":19,"tag":46,"props":62,"children":63},{},[64],{"type":24,"value":65},"Essential expenses leave too little for contractual debt instalments",{"type":19,"tag":35,"props":67,"children":69},{"id":68},"what-a-counsellor-reviews",[70],{"type":24,"value":71},"What a counsellor reviews",{"type":19,"tag":20,"props":73,"children":74},{},[75,77,82],{"type":24,"value":76},"A registered ",{"type":19,"tag":27,"props":78,"children":79},{},[80],{"type":24,"value":81},"debt counsellor",{"type":24,"value":83}," examines income, household expenses, credit agreements and whether restructuring can create a realistic plan. 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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":252,"children":254},{"id":253},"how-debt-review-helps-with-asset-pressure",[255],{"type":24,"value":256},"How debt review helps with asset pressure",{"type":19,"tag":20,"props":258,"children":259},{},[260],{"type":24,"value":261},"Once you are properly under debt review, credit providers are constrained in how they pursue certain enforcement steps. 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Seeking a ",{"type":19,"tag":27,"props":398,"children":399},{},[400],{"type":24,"value":81},{"type":24,"value":402}," is a responsible legal step.",{"type":19,"tag":35,"props":404,"children":406},{"id":405},"myth-4-consolidation-is-always-better",[407],{"type":24,"value":408},"Myth 4: Consolidation is always better",{"type":19,"tag":20,"props":410,"children":411},{},[412,416,418,423],{"type":19,"tag":27,"props":413,"children":414},{},[415],{"type":24,"value":364},{"type":24,"value":417}," A new consolidation loan is not automatically safer. For many consumers, debt review is the stronger ",{"type":19,"tag":27,"props":419,"children":420},{},[421],{"type":24,"value":422},"debt consolidation alternative",{"type":24,"value":424},".",{"type":19,"tag":35,"props":426,"children":428},{"id":427},"myth-5-you-can-keep-taking-new-credit-as-usual",[429],{"type":24,"value":430},"Myth 5: You can keep taking new credit as usual",{"type":19,"tag":20,"props":432,"children":433},{},[434,438],{"type":19,"tag":27,"props":435,"children":436},{},[437],{"type":24,"value":364},{"type":24,"value":439}," While under debt review you are generally restricted from new credit — which is part of how rehabilitation works.",{"type":19,"tag":20,"props":441,"children":442},{},[443],{"type":24,"value":444},"Understanding the facts makes the National Credit Act process far less intimidating.",{"title":7,"searchDepth":107,"depth":107,"links":446},[447,448,449,450,451],{"id":353,"depth":107,"text":356},{"id":369,"depth":107,"text":372},{"id":384,"depth":107,"text":387},{"id":405,"depth":107,"text":408},{"id":427,"depth":107,"text":430},"content:blog:debt-review-myths.md","blog\u002Fdebt-review-myths.md","blog\u002Fdebt-review-myths",1784590168714]