Debt Review Application Step by Step Guide for 2026

Complete legal guide to Section 86 of the National Credit Act. Learn how to apply for debt review, legal protection, and what happens after submission.

Application Steps

• Complete Form 16 with a debt counsellor
• Submit application to NCR
• Notify all creditors within 5 days
• Receive legal protection from creditors
• Debt counsellor assesses your situation
• Proposal sent to creditors
• Court order or consent agreement obtained