Need help getting rid of your debt?

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How does debt review work?

how it works?


Six simple steps


Submit your details to us using our online contact form to get a phone call from one of our bright, switched-on Consultants on the same day, during working hours. Only to be guided step-by-step through the rest of our quick, easy application process over the phone and via email.


First, your consultant will establish what your expenses and income are on an average monthly basis. If you spend more than you make, this means you are over-indebted and qualify for debt review.


Next, we’ll let all of your credit providers and the credit bureaus know that you are entering debt review with NDA. As follows, your credit providers won’t be able to take legal action against you for 60 working days.


After asking your credit providers to send over a certificate of balance (COB) for all of your accounts, we’ll draw up a reorganised debt repayment plan for you.


Then, we’ll negotiate with your credit providers to have your monthly instalments and interest rates reduced. We’ll ensure you can afford to cover your monthly living expenses, as well as stick to your more manageable reorganised debt repayment plan.


Our specialist attorneys will apply to the magistrates court to have your reorganised debt repayment plan declared a court order that is legally binding. Your debt counsellor will be the applicant on your behalf, so you won’t have to appear in court.

Process completed

All you have to do is pay in your new lower debt repayment once a month on time. Then, you and your assets will be completely protected and you’ll be on your way to becoming rehabilitated back into the credit market.

How it works

Useful information

Payment distribution agency

A payment distribution agency (PDA) will distribute your monthly payments to all of your credit providers. We’ll monitor these to make sure everything remains smoothly on track and provide you with monthly aftercare, such as financial advice and budgeting guidance.

Debt repayment plan?

You don’t need to worry about paying for our debt counselling fees, as these will be included in your reorganised debt repayment plan and come out of your new lower monthly payment.

Clearance certificate for credit record?

Once you’ve settled all of your debts, NDA will issue you with a clearance certificate and instruct the credit bureaus to remove the debt review status from your credit record. There you have it – DEBT FREE!


Need help getting rid of your debt?

We'll Contact You!

  • This field is for validation purposes and should be left unchanged.