The process of debt review is for any South African credit user with a full-time job. Open to all credit users of this sort, debt review is there to help you take hold of your finances. Debt review is solely for those who are over-indebted and cannot afford their monthly debt repayment as well as their basic expenses. Pushing the onus of chasing credit to the debt counsellors, it becomes their job to ensure that your debt repayment is the best possible option available to you. Reducing monthly amounts and rates ensure that you can pay back your debt in good time. So, who may apply for debt review? South African credit users.