Completion & Exit
Clearance certificates and exiting debt review
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 MoreWhat is the timeline and cost for Form 19 clearance?
Cost: Maximum R450, VAT exclusive as prescribed by the NCR
Read MoreWhat 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 MoreWhat happens once debt review is over?
Life after debt review offers a fresh financial start:
Read MoreAm I eligible for debt review removal?
Eligibility depends on where you are in the debt review process:
Read MoreWhat if I want to withdraw from debt review?
Withdrawal from debt review is possible but comes with consequences:
Read MoreWhat happens after I receive my clearance certificate?
After receiving your Form 19 clearance certificate:
Read MoreWhat is your success rate for debt review removals?
For eligible cases, our success rate is approximately 80–95% on cases we accept.
Read MoreHow 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 MoreWill my credit score recover after debt review?
Yes, your credit score will recover after debt review, but it takes time and effort:
Read MoreCan 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 MoreHow 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 MoreWhat 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 MoreCan 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 MoreWhat documentation do I keep after debt review?
After completing debt review, keep the following documents safely for at least 5 years:
Read MoreWhat 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 MoreStill Have Questions?
Our NCR-registered debt counsellors are ready to help. Get a free, confidential assessment today.