Debt Review Documents & Forms

Complete guide to all 45 official forms used in the debt review process. Free downloads with NCA references explained by NCR-registered experts.

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Discover how debt counselling can help you manage your finances and protect your assets.

Documents Required for Your Initial Visit

Gather these documents before applying for debt counselling

Your Documents

Copy of your identity document/passport
Most recent salary/wage slip (last 6 months if income varies)
Last 3 months bank statements for all accounts
Last 2 months credit card statements
Latest home loan balance statement (if applicable)
List of informal debts (from family/friends) (if applicable)
Most recent creditor statements

If Married in Community of Property

If you and your spouse share income and expenses or are married in Community of Property, you'll also need:

Spouse's most recent salary/wage slip (last 6 months if variable)
Spouse's bank statements for all accounts
Spouse's credit card statements

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NCR Debt Review Court Application Guidelines

Official NCR Circular 001/2016 - Complete guidelines for debt review court applications including Van Der Hoven declaratory orders.

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Court Application Documents

Additional documents required when your matter proceeds to court (per NCR Circular 001/2016)

For Court Application

Additional documents required when your matter goes to court (per NCR Circular 001/2016):

Original or certified copy of Identity Document
Proof of residence (address within court jurisdiction)
Consumer's Confirmatory Affidavit (signed and commissioned)
Proof of Marital Status (Marriage Certificate, Antenuptial Agreement, or Divorce Order)
All payslips since application date
Form 16 (signed original)

NCT Circular 7 - DRA Checklist

Official NCT Circular (7 May 2018) - Complete checklist for Debt Re-Arrangement consent order applications to the National Consumer Tribunal.

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NCT Application Documents

Documents required for consent order applications to the National Consumer Tribunal (per NCT Circular 7)

For NCT Application (Section 138)

Documents required for consent order applications to the National Consumer Tribunal (per NCT Circular 7 of 2018):

(1) Consent Order - attached separately, not stapled to main application
(2) Proof of Service - email to all credit providers with 15 business day wait
(3) Copy of Identity Document - clear and legible
(4) Power of Attorney Form - signed by consumer(s), specific debt counsellor named
(5) Acceptance Letters - signed by each credit provider in same order as consent order
(6) Draft Consent Order - signed by consumer(s) or debt counsellor with POA
(7) Repayment Proposal - signed and dated Form 16 sent to credit providers
(8) Income and Expenditure Statement - consumer's financial position
(9) NCT Application Form (Section 138) - fully completed, dated and signed
(10) Consent to E-mail Service Letters - from each credit provider
(11) Proof of NCT Filing Fee Payment (R717.79) - EFT to NCT with consumer names and ID numbers

Initial Application

Documents needed to start your debt review journey

3 documents

Notification Forms

Forms used to notify creditors and credit bureaus

5 documents

Change of Circumstances

Forms for when your situation changes during debt review

3 documents

Assessments & Proposals

Evaluation documents and payment plan proposals

5 documents

Exit & Completion

Documents for exiting or completing debt review

7 documents

Legal References

Important NCA sections and legal notices

2 documents

Court Documents

Documents required for court applications and orders per NCR Guidelines 001/2016

9 documents

NCT Documents

National Consumer Tribunal circulars and application checklists per NCT Circular 7

11 documents

Expert Documentation Guidance

All document explanations provided by NCR-registered debt counsellors (NCRDC3106) with over 10 years of experience in debt review proceedings.

Official Resources & Legal References

The information on this page is based on South African legislation and regulations. For official information, please refer to the following authoritative sources:

National Credit Act

The primary legislation governing consumer credit in South Africa.

NCR

The regulatory body responsible for the regulation of the South African credit industry.

Verify Debt Counsellors

Official registry to verify NCR-registered debt counsellors.

Need Help With Your Documents?

Our NCR-registered debt counsellors can help you gather the required documents and guide you through the entire application process.

Free Debt Assessment Call 041 012 5036

Related Resources

FAQ Process Explained Benefits & Risks All Downloads

Debt Review Documents & Forms

Documents Required for Your Initial Visit

Your Documents

If Married in Community of Property

Browse by Category

NCR Debt Review Court Application Guidelines

Court Application Documents

For Court Application

NCT Circular 7 - DRA Checklist

NCT Application Documents

For NCT Application (Section 138)

Initial Application

Form 16Form 16 - Debt Review ApplicationSection 86(1) of the National Credit Act, Regulation 24(1)

Form 16 (Joint Application)Form 16 Joint - Joint Debt Review ApplicationSection 86(1) and Section 86(10) of the National Credit Act

Supporting Documentation ChecklistDocuments Required for Initial VisitRegulation 24(1)(b) of the NCA Regulations

Notification Forms

Form 17.1Form 17.1 - Notification to CreditorsSection 86(4)(b) of the National Credit Act, Regulation 24(2)

Form 17.1 Follow-Up NotificationForm 17.1 Follow-UpSection 86(5) of the National Credit Act

Form 17.2 (Accepted)Form 17.2 - Consumer Accepted for Debt ReviewSection 86(7)(a) of the National Credit Act, Regulation 24(7)

Form 17.2 (Rejected)Form 17.2 - Consumer Rejected (Not Over-Indebted)Section 86(7)(b) of the National Credit Act

Form 17.2(c)Form 17.2(c) - Court Order NotificationSection 86(7)(c) of the National Credit Act, Regulation 24(10)

Change of Circumstances

Form 17.3(a)Form 17.3(a) - Change in Employment StatusSection 86(9) of the National Credit Act, Regulation 24(8)

Form 17.3(b)Form 17.3(b) - Change in Personal CircumstancesSection 86(9) of the National Credit Act, Regulation 24(8)

Form 17.7Form 17.7 - Transfer to New Debt CounsellorSection 86 of the National Credit Act, NCR Guidelines

Assessments & Proposals

Determination of Over-IndebtednessDetermination of Over-Indebtedness FormSection 79 and Section 86 of the National Credit Act

Regulation 24(4) FormRegulation 24(4) - Consumer Information VerificationRegulation 24(4) of the National Credit Regulations

Final Proposal / Payment Distribution PlanDebt Review Final ProposalSection 86(7)(c) and Section 86(8) of the National Credit Act

Notification of Suspected Reckless Lending InvestigationReckless Lending Investigation NotificationSection 80, 81, and 83 of the National Credit Act

Reckless Lending Assessment Outcome ReportReckless Lending Assessment OutcomeSection 83 of the National Credit Act

Exit & Completion

Form 17.W (Court Rejection)Form 17.W - Application Rejected by CourtSection 86(7)(c) of the National Credit Act

Form 17.W (Suspended)Form 17.W - Application SuspendedSection 86(10) of the National Credit Act

Form 17.W (Order Rescinded)Form 17.W - Court Order RescindedSection 86(10) and Section 88 of the National Credit Act

Form 19Form 19 - Clearance CertificateSection 71 and Section 88 of the National Credit Act

Paid-Up Letter (Settlement Confirmation)Paid-Up LetterSection 71 of the National Credit Act

Form 17.WForm 17.W - Withdrawal from Debt ReviewSections 86(7)(a), 86(10) and 88 of the National Credit Act

Court Order Rescinding or Rejecting Debt ReviewDebt Review Removal Court OrderSections 87 and 165 of the National Credit Act

Legal References

Section 86(10) NoticeSection 86(10) - Termination of Debt ReviewSection 86(10) of the National Credit Act

Section 129 NoticeSection 129 Notice - Letter of DemandSection 129(1)(a) of the National Credit Act

Court Documents

Application to Vary a Debt Rearrangement OrderVariation Order ApplicationSection 165 of the National Credit Act

NCR Circular 001/2016NCR Debt Review Court Application Guidelines (Circular 001/2016)Section 86(7)(c), Section 86(8)(b), Section 87(1) of the NCA, Rule 55 of Magistrates' Court Rules

Founding AffidavitFounding Affidavit for Debt Review Court ApplicationsRule 55 of Magistrates' Court Rules, Section 86(6) of the NCA

Confirmatory AffidavitConsumer Confirmatory Affidavit - 14 Required ItemsRegulation 2(2)(a) of Government Notice No. R362 of 10 May 2012

Certificate of Balance (COB)Certificate of Balance (COB) - Creditor StatementSection 86(5) of the NCA, Regulation 24(4)

Service AffidavitService Affidavit - Proof of Document DeliveryRule 9 of Magistrates' Court Rules

Notice of Set DownNotice of Set Down - Court Hearing NotificationRule 55(1)(f) of Magistrates' Court Rules

Draft Court OrderDraft Court Order - 21 Required TermsSection 87(1) of the NCA

Consent OrderConsent Order - Agreed Debt RestructuringSection 86(7)(b) of the NCA

NCT Documents

NCT Circular 7NCT Circular 7 - DRA ChecklistSection 138 of the NCA, Section 86(7)(b)

NCT Consent OrderNCT Consent Order TemplateSection 138, Section 86(7)(b) of the NCA

Proof of ServiceNCT Proof of ServiceSection 138, Rule 9

ID Document CopyCopy of Identity Document (NCT)Section 86(4) of the NCA

Power of AttorneyPower of Attorney Form (NCT)Section 86(1), Regulation 2 of the NCA

Acceptance LettersNCT Acceptance LettersSection 86(7)(b) of the NCA

Draft Consent OrderNCT Draft Consent OrderSection 138 of the NCA

Repayment ProposalNCT Repayment Proposal (Form 16)Section 86(5), Regulation 24 of the NCA

Income & Expenditure StatementIncome and Expenditure Statement (NCT)Section 86(6) of the NCA

Section 138 Application FormNCT Application Form (Section 138)Section 138 of the NCA

NCT Filing Fee ReceiptProof of NCT Filing Fee PaymentSection 138, NCT Rules

Expert Documentation Guidance

Official Resources & Legal References

Need Help With Your Documents?

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