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Apply for Debt Review
Drowning in debt? If your monthly repayments on your house, car, credit cards and accounts have risen so high you’re facing blacklisting, one option is to apply for a debt review. 
Introduced in 2007 with the National Credit Act (NCA) to help consumers overcome debt problems, debt review is a process that helps you manage your money responsibly and may protect you from any legal action that may be taken against you, only in the event that a proposed repayment plan is agreed on between you and your creditors.
The benefit of applying for a debt review, and debt counselling is that, while you’re getting debt counselling and in the process of paying off your debts, legal action can’t be taken against you.

How Debt Review works

  1. Contact one of Debtnett’s trained debt counsellors who will help you through the process.
  2. Supply all the necessary documentation, including your payslip, your ID document and all your monthly repayments to the debt counsellor. You will also need to provide a monthly budget of other expenses, such as food and petrol.
  3. The debt counsellor will then work out if you are over-indebted (if your payments are simply unaffordable on your current income), as well as how much you need to live on and what is available to repay debts. 
  4. At this point, you’ll be able to officially apply for debt counselling and the debt counsellor must give you all the details of the costs involved.
  5. he debt counsellor will then contact all your credit providers and the credit bureaus and inform them that you are being listed under debt counselling. This is not the same as being blacklisted - it is a form of protection and will be removed completely once you have paid everything off.
  6. Once agreement has been reached, the debt counsellor will give you your final repayment plan and submit it to a Payment Distribution Agency. This agency will take a lump sum from you each month and distribute it between the credit providers, according to your repayment plan. Your obligation is to ensure that you keep up the monthly payments until such time as the whole amount has been paid off.


There is no permanent record of being under Debt Review kept on any Consumer Credit Bureau Data Base, which means that unlike Administration or other avenues, the process leaves no black mark against your name. 

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