Debt review guides and money tools

Find answers about debt review, debt counselling and managing your money. Start with the question that matters to you, then follow the guide to a practical next step.

Browse the guides by topic

Browse all articles, page 2

Is debt review worth it? Benefits and commitments

Weigh debt review against fees, new-credit restrictions, repayment time and other options. Prepare questions before deciding to apply.

Navigating Debt Review and Marriage: What South African Couples Should Know

Understanding how your marriage contract impacts your debt is crucial, especially when entering debt review. Here's a simple guide to what's what.

How Long Does It Take to Remove Adverse Listings After Debt Review?

Wondering how long it takes for adverse listings to be removed from your credit profile after settling your debt? We break down the timeline, explain the NCR Debt Help process, and show you what to do if things take longer than expected.

An emergency during debt review: what to do next

Prepare your changed budget, supporting documents and payment dates. Know what to ask your counsellor about an emergency during debt review.

Will Debt Review Affect Your Job? Here's the Real Deal

Worried that debt review might mess with your job? Let’s clear up the confusion and talk about what really happens when you go under debt review in South Africa.

How to complete or leave debt review in South Africa

Understand clearance certificates, the home-loan exception and debt review removal warnings. Check your legal stage before paying for a removal service.

Reckless Credit Allegations

Creditors can sometimes extend credit to people who they know, can't afford to pay them back. This is of course irresponsible from their part and it always ends badly for consumers. Debt Review Centre…

Understanding the 2014 credit information amnesty

A historical explanation of the 2014 credit information amnesty, with links for readers checking completion and their current credit records.

How to choose a registered debt counsellor in South Africa

Check NCR registration, written fees, payment arrangements and ongoing support before choosing a debt counsellor. Use our free assessment checklist.

What does a payment holiday cost?

See how interest can increase a balance while payments pause. Use a worked example and questions about the revised payment and total cost.

DRC Cares - Adelaide Drought Relief

DRC Cares – Adelaide Drought Relief DRC Cares is a community assistance program we have established early 2018 which focuses on giving back to our community. We are inundated with requests and attempt…

Cancelling Debt With Debt Review

This is a real-life scenario... In specific cases, your debt could be written-off. Mr. Laubscher had been diagnosed with Multiple Sclerosis. When we consulted with them during 2016, Mr. Laubscher was…

Learn more about Debt Review services →