What Is Debt Review?

We explain the process of debt review.

Debt review has no debt limit, while debt administration has a limit of R50 000 debt. Your vehicle and property can fall under debt review.

Debt review and your debt counsellor

Under debt review there is no monthly fee paid to an administrator (attorney). You only pay a once off fee that may not exceed the repayment schedule amount. A debt counsellor will assist with setting up agreed monthly repayment fees and negotiate with your creditors for payment arrangements to a manageable amount.

Lower interest rates

Typically, under debt review your interest rates on the loan are lowered. This way your monthly repayments are more manageable and all the creditors receive some repayment every month. A payment distribution agency (also known as a PDA) is in charge of ensuring your monthly payments are made to your debtors.

Cost effective debt review

Debt review is more cost effective than debt administration because there are less fees involved and your payments are made to your creditors every month, on time. Debt review falls under the National Credit Regulator and you therefore receive a clearance certificate once all debts are paid in full. You can also rest assured that the National Credit Regulator will protect your rights during the debt review process.

Make your monthly payments

If you find yourself in hard times, debt review might be a good option to ensure you are not placed under sequestration which could lead to you losing your assets. You have to stick to the monthly payments agreed upon to pay off your debts as quickly as possible.

Debt review and your credit report

Debt review will reflect on your credit report and you will not be able to take out any new credit while under debt review. If you have no other options left when it comes to paying your debt, consider going under debt review so that a manageable repayment plan can be set up.


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  • A Guide On How To Get Out Of Debt.
  • Blacklisting, is it still a thing?
  • Breaking Bad Debt.
  • Build Your Credit Score While You’re Young
  • Can I Get A Loan While Under Debt Review?
  • Can Your Credit Score Affect Your Job?
  • Check Your Credit Report For Signs Of Fraud
  • Common myths about debt review.
  • Debt Management Tips.
  • Debt Review Is A Good Idea.
  • Default, Judgement, Sequestration.
  • Disputing Errors on Credit Reports
  • Free VS Paid Credit Reports.
  • Frequently Asked Questions about Debt Review.
  • Get your credit report before applying for a loan.
  • Get Your Credit Score Back On Track
  • Good Debt Can Build Your Credit Score.
  • Hard VS Soft Inquiries On Your Credit Report.
  • Have I Been Blacklisted?
  • How do I get late payment entries removed?
  • How Do I Manage My Debt When I Am Unemployed?
  • How do I read my credit report?
  • How is your credit score calculated?
  • How Is Your Credit Score Weighted?
  • How Long Does Debt Review Last?
  • How To Calculate Your Debt-To-Income Ratio.
  • How To Clear Your Name At Credit Bureaus.
  • How To Improve Your Credit Score After Debt Review.
  • How To Qualify For New Credit With No Credit Score.
  • How To Reduce And Eliminate Debt.
  • Judgements, Administrations and Listings
  • Online Shopping – Just (don't) add to cart!
  • Teaching Children Good Money Sense.
  • The Best Way to Manage your Store Credit Card Account
  • The Pros And Cons Of Debt Counseling.
  • Things You Don't Want To See On Your Credit Report.
  • Tricks To Help You Save While Paying Off Debt
  • Understanding a credit report in South Africa.
  • Understanding Debt Consolidation Loans in South Africa
  • Vehicle instalments driving you to despair
  • Warning Signs You Could Be Heading for Financial Disaster
  • What Affects Your Credit Score?
  • What are credit bureaus and how do they work?
  • What causes credit card debt?
  • What do credit bureaus know about me?
  • What Effect Does Your Credit Report Have On Your Interest Rates?
  • What Happens To Your Credit When You Get Married?
  • What Happens When I Skip A Debt Payment?
  • What Happens When You're Debt Free?
  • What is a credit score?
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  • What Is A Decent Credit Score To Buy A Car?
  • What Is A Good Credit Score If You Want To Buy A House?
  • What Is A Hard Inquiry And How Does It Affect Your Credit Report?
  • What Is A Soft Inquiry And How Does It Affect Your Credit Report?
  • What Is Considered A Bad Credit Score?
  • What is considered a good credit score?
  • What Is Debt Administration?
  • What Is Debt Counseling?
  • What Is Debt Review?
  • What’s the difference between your credit score and your credit report?
  • Which Type Of Credit Carries The Most Risk?
  • Why Debt Counseling Is Perfect For You.
  • Why Did My Credit Score Go Down?
  • Will checking my credit report affect my credit score?
  • Your Best Defence Against Identity Theft Is Your Credit Report
  • Your Credit Score: The Basics.
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