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    Completion & Exit

    Can I re-enter debt review after getting a clearance certificate?

    Technically yes, if you become over-indebted again after receiving your clearance certificate, you can apply for debt review again.

    However:

    • It indicates that spending habits haven't changed

    • Credit providers may be less accommodating

    • The process starts from scratch with new fees

    • Prevention is better than cure

    After completing debt review, we strongly recommend:

    • Maintaining the budgeting habits you learned

    • Building an emergency fund

    • Using credit very cautiously

    • Seeking financial counselling if you notice warning signs

    Expert Answer

    Provided by NCR-registered debt counsellors (NCRDC3106)

    Need Personalised Advice?

    Our NCR-registered debt counsellors can assess your unique situation and provide tailored guidance.