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Who may apply for debt review?

Debt review protects over-indebted South Africans

South African citizens who are juggling their debt and their living expenses may apply for debt review, as set out by the National Credit Act of 2005. Above all, the Act was put in place to protect over-indebted South African consumers. And subsequently, it played a huge role in buffering South Africa from total collapse when the worldwide recession of 2007/2008 hit. So, who may apply for debt review?

To clarify, you may apply for debt review if you:

  • Are a South African citizen.
  • Have credit contracts in place with South African companies.
  • Have a full-time job or steady monthly source of income.
  • Find yourself skipping payments on your monthly accounts.
  • Don’t have enough money left for your living expense after paying your debt.

The best time to apply, however, is before you start skipping payments on any of your accounts. Therefore, when you apply for debt review, it is a clear sign that you are not in denial and you are prepared to take responsibility for your finances. Though there is much guilt and shame attached to a bad financial situation, the reality, however, is that everyone is struggling. And the longer you take to acknowledge your debt problem, the longer it will take for you to get out of it.

In conclusion, the process of debt review is fully regulated. But it is not a fly-by-night, quick fix solution to your problems. In other words, you have to be fully committed to becoming debt-free and ultimately, financially free. Meanwhile, from your debt review application to your clearance certificate, the highly competent staff of NDA will be with you every step of the way.


How we do it


How we do it

We do NOT offer loans.
We help even if you are blacklisted.
We lower monthly instalments by up to 50%.
We protect your assets and credit profile.
We help you become debt-free, risk-free.