National Debt Review Center
    NCR Registered: NCRDC3106
    041 012 5036Login
    NDRC Logo
    NDRCNational Debt Review Center
    • Home
    • Contact
    • Debt Counselling
    • Process Explained
    • Fees 2026
    • FAQ
    • Documents & Forms
    • Official NCR Guidelines
    • Benefits & Risks
    • Debt Review Removal
    • Clearance Certificates
    • Debt Review Removal Assessment
    • Scam Warnings
    • Fees & Timelines
    • Debt Review Removal FAQ
    • National Credit Regulator
    • Debt Calculator
    • Check Debt Review Status
    • Credit Score Check
    • NCR Counsellor Directory
    • Blog
    • Success Stories
    • Client Reviews
    • Creditor Contacts
    • Our Team
    • Client Portal
    • Contact
    • Free Debt Assessment
    HomeDebt CounsellingFAQCompletion & Exit
    Back to all FAQs

    Completion & Exit

    Clearance certificates and exiting debt review

    18 Questions

    What is a clearance certificate (Form 19)?

    A clearance certificate (Form 19) is the official document issued by your debt counsellor confirming that you have completed the debt review process.

    Read More

    What is the timeline and cost for Form 19 clearance?

    Cost: Maximum R450, VAT exclusive as prescribed by the NCR

    Read More

    What happens after debt review?

    Once the process has been completed and your debt has been repaid, your counsellor will issue you with a clearance certificate (Form 19).

    Read More

    What happens once debt review is over?

    Life after debt review offers a fresh financial start:

    Read More

    Am I eligible for debt review removal?

    Eligibility depends on where you are in the debt review process:

    Read More

    What if I want to withdraw from debt review?

    Withdrawal from debt review is possible but comes with consequences:

    Read More

    What happens after I receive my clearance certificate?

    After receiving your Form 19 clearance certificate:

    Read More

    What about prescribed or reckless debt?

    We conduct a free investigation into:

    Read More

    What is your success rate for debt review removals?

    For eligible cases, our success rate is approximately 80–95% on cases we accept.

    Read More

    How quickly can I access credit after clearance?

    After receiving your clearance certificate, the debt review flag is removed from your credit record within 7 days. However, rebuilding your credit sco...

    Read More

    Will my credit score recover after debt review?

    Yes, your credit score will recover after debt review, but it takes time and effort:

    Read More

    Can I apply for a home loan after debt review?

    Yes, you can apply for a home loan after receiving your clearance certificate, but approval depends on several factors:

    Read More

    How long until my credit record is clean after clearance?

    The debt review flag is removed within 7 days of receiving your clearance certificate. However, the overall 'cleanliness' of your credit record depend...

    Read More

    What if some debts are not paid in full at completion?

    In standard debt review, all debts under the court order are paid in full over the term. However, special circumstances may arise:

    Read More

    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.

    Read More

    What documentation do I keep after debt review?

    After completing debt review, keep the following documents safely for at least 5 years:

    Read More

    Are you a call centre?

    No. Each client is:

    Read More

    What is Form 17.W (Withdrawal form)?

    Form 17.W is the official withdrawal form used to exit debt review before completion. However, withdrawal has strict conditions and is rarely advisabl...

    Read More

    Explore Other Categories

    Getting Started24 questions
    The Process20 questions
    Costs & Fees10 questions
    Legal Protection19 questions
    During Debt Review25 questions

    Still Have Questions?

    Our NCR-registered debt counsellors are ready to help. Get a free, confidential assessment today.

    Free Debt AssessmentCall 041 012 5036
    NDRC

    National Debt Review Center

    Registered debt counsellors helping South Africans achieve financial freedom since 2014. Your trusted partner in debt relief.

    041 012 5036041 012 5036 (Sales)[email protected]3rd Floor, Regus House, Fairview Office Park, 66 Ring Road, Greenacres, Port Elizabeth, 6000
    Verify NCR Registration

    Debt Relief Services

    • Debt Counselling
    • Debt Review Removal
    • ↳ Clearance Certificate (s71)
    • ↳ Exit Assessment
    • Debt Consolidation
    • Debt Management
    • Reckless Lending
    • Prescribed Debt
    • Home Protection
    • Vehicle Protection

    Free Tools

    • Advanced Calculator
    • Debt Calculator
    • Check Debt Review Status
    • Free Credit Score
    • NCR Counsellor Directory
    • Creditor Contacts

    Service Areas

    • All Service Areas
    • Johannesburg
    • Cape Town
    • Durban
    • Pretoria
    • Port Elizabeth

    About NDRC

    • About NDRC
    • Our Team & Credentials
    • Client Reviews
    • Success Stories
    • Blog & Resources
    • Reports & Data
    • FAQ - Debt Counselling
    • FAQ - Debt Review Removal
    • Contact Us

    For Employers

    • Workplace Programmes
    • Employee Financial Coaching
    • Debt Counsellor Software
    • Panel Attorney Network
    • Employer Playbook (PDF)

    Media

    • Radio Advert

    Legal

    • Privacy Policy
    • Terms of Service
    • Cookie Policy
    • Disclaimer
    • POPIA Compliance
    • BEE Policy
    • Employee Policies
    • PAIA Manual (PDF)

    Follow Us

    Get Free Assessment

    Principal Debt Counsellor

    Sibabalwe Samora Dakana

    NCR: NCRDC3106DCASA Member: 0877
    Verify NCR Registration

    The National Debt Review Center (NDRC) is a registered debt counselling practice with the National Credit Regulator (NCR Registration: NCRDC3106). Our services are conducted in strict accordance with the National Credit Act 34 of 2005 and NCR Circular 09 of 2025 regarding DHS status updates.

    Important: Debt review is a regulated legal process. While under debt review, you will be unable to obtain further credit until a Clearance Certificate (Form 19) is issued or a court order declares you no longer over-indebted.

    NCR RegisteredNCRDC3106
    DCASA MemberAssociated
    Level 1 B-BBEEContributor
    POPIA & PAIACompliant
    s 126A(3) CompliantNCA Payment & Disclosure
    Verify NCR Registration•View PAIA Manual•View B-BBEE Certificate
    Company Reg: 2014/286439/07VAT: 4510302187Est. 2014

    © 2026 National Debt Review Center (Pty) Ltd. All rights reserved. Trading as NDRC. Company Reg: 2014/286439/07. NCR Registration: NCRDC3106.