Complete the Application Form with your details, details of your creditors and monthly income and expenses.

Application Form

We will determine whether you are over indebted and contact you with your new proposed monthly instalment.

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After receiving your signed application, we will inform your creditors that you are under debt review and they will immediately stop all the legal action and harassing phone calls for payment.

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We will negotiate a reduced affordable payment with each credit provider within 60 days. During this time you are protected.

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Once the reduced instalment is finalised with your creditors, we make it an order of court.

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You will continue to pay this monthly instalment until you debt is settled.

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After your debt is settled you will be issued with a clearance certificate ending your status as being under debt review. You now have a clean credit history.

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Debt Review Process Expanded

Debt review allows us 60 days to negotiate an alternate, affordable, payment plan with your credit providers.
During this time no further legal action can be taken against you.
We will write to all your credit providers informing them that you have gone under debt review and propose a reduced and affordable monthly instalment.
If this proposed instalment is not accepted by your credit providers the magistrates court may be approached to make a final decision.
Once this reduced monthly instalment is accepted by your creditors it is made an order of court.
You will continue to pay this reduced installment until all your debt is paid off.
You may not enter in further credit agreements or make use of credit facitilies while under debt review.
Once this is done you will be isssued a clearence certificate and end your status as being under debt review. This means that your name is not listed on the credit bureau and you have a clean credit record.

What documents are needed?

Your ID document
Your payslip
3 Months bank statement reflecting your salary
Antenuptial contract (if applicable)
List of monthly expenses
List of all income
Details of Accounts