Debt Review Removal FAQ

Get answers to 72+ frequently asked questions about debt review removal in South Africa. Expert guidance from NCR-registered debt counsellors.

Back to Debt Review Removal overview

Pick a Category

Getting Started7 questions

The Process14 questions

Costs & Fees5 questions

Legal Framework16 questions

After Removal10 questions

Special Cases20 questions

Getting Started

What is debt review removal and eligibility basics

7 questions

View all 7 Getting Started questions

The Process

Application steps, timelines, and required documents

14 questions

View all 14 The Process questions

Costs & Fees

Fees, payment options, and pricing

5 questions

View all 5 Costs & Fees questions

Legal Framework

NCA sections, court applications, and legal requirements

16 questions

View all 16 Legal Framework questions

After Removal

Post-removal implications and credit access

10 questions

View all 10 After Removal questions

Special Cases

Clearance certificates, tribunal orders, and unique situations

20 questions

View all 20 Special Cases questions

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Debt Review Removal FAQ

Pick a Category

Getting Started

What is Debt Review Removal?

Can debt review be removed?

Who qualifies for debt review removal?

Is it easy to get out of debt review?

Can I remove my name under debt review if I have not finished paying my debt?

Is debt review a criminal record?

What is the red flag on debt review?

The Process

How do you apply for Debt Review Removal in South Africa?

How long does it take to be removed from Debt Review in South Africa?

What documents are needed for debt review removal?

Do I need to be present in court for my debt review removal application?

Can I apply for debt review removal online?

How do I check my debt review status?

What are the definitions of the NCR DHS Status Codes?

How do I know if my debt review flag has been removed?

Do I have to attend court to cancel debt review?

Can I cancel debt review if I still owe money?

How long after the court order before the credit bureaus update?

Can I switch debt counsellors, and what does it cost?

What is Form 17.W(b) and when is it used?

What is Form 17.W(c) and when does my counsellor issue it?

Costs & Fees

How much does it cost to be removed from Debt Review?

How much does it cost to remove debt review in South Africa?

How can I remove my debt review status for free?

Does debt review removal automatically cover the settlement of any outstanding fees?

Are there any tax implications associated with debt review removal?

Legal Framework

What sections of the National Credit Act govern debt review removal?

Can I cancel my Debt Review and continue to pay directly the reduced installment to my creditors?

Once Debt Review is terminated, can creditors take legal action?

When can a credit provider terminate debt review?

Can I apply for debt review removal if my order was a consent order confirmed by the National Consumer Tribunal?

Can I Cancel Debt Review?

What are the Implications of Cancelling Debt Review?

Can creditors take legal action to recover outstanding debts while the debt review removal process is ongoing?

Can my debt counsellor cancel my debt review themselves?

What is a Form 17.W and when does it apply?

My debt review was confirmed by an NCT consent order: can it be set aside?

If I have a prescribed account, do I still need to include it in the application?

Does a sequestration order end my debt review?

Can my debt counsellor withdraw me from debt review?

Can I stay under debt review without an active debt counsellor?

What happens if all my credit agreements are terminated under section 86(10) or 88(3)?

After Removal

Can I get a loan after being removed from debt review?

Can I buy a car immediately after debt review?

Can I apply for a house while I am under debt review?

Will there be something showing that I was under debt review after I have successfully exited?

Does debt review removal affect the eligibility for future business loans?

Can I renegotiate the terms of remaining debt with creditors after exiting debt review?

How long does it take to see a significant improvement in credit score after debt review removal?

How long does the debt review flag stay on your name?

Does a history of debt review or the removal process impact the ability to travel internationally?

Can creditors take legal action after my debt review is terminated?

Special Cases

How can I get a Clearance Certificate if I cannot locate my debt counsellor?

If I qualify for partial removal due to a remaining home loan, can I re-enter debt review if I encounter further financial difficulties?

How is debt review removal handled if the individual under debt review passes away?

What are the implications of debt review removal for a co-signer?

If one spouse in a marriage exits debt review, can it affect the other spouse's credit score?

If I believe my credit report contains inaccurate information regarding debt review, what can I do?

What are the Benefits of Staying Under Debt Review?

What are the disadvantages of debt review?

What are the disadvantages of debt review removal?

What happens when you cannot pay your debt review?

Is it true that after 7 years your credit is clear?

Which bank can help with my debt review or debt review removal?

Which is the best debt review removal company in South Africa?

Can I remove debt review myself?

Are there alternative solutions if I don't meet the full criteria for debt review removal?

How many years does it take to be removed from debt review?

Even after clearing all my debts, my credit report still shows I am under debt review. How can I get this removed?

How do I remove debt review status in South Africa?

What does NCR status D4 mean and why is it harder to remove?

Can I re-apply for debt review after inactive status (A1, F, G, G1, H)?