The Process
Application steps, timelines, and required documents
How do you apply for Debt Review Removal in South Africa?
The exact steps depend on which removal method applies, but for a Section 87 court application, the process works as follows:
Read MoreHow long does it take to be removed from Debt Review in South Africa?
The time depends entirely on which removal method applies.
Read MoreWhat documents are needed for debt review removal?
The documents required depend on which removal route applies.
Read MoreDo I need to be present in court for my debt review removal application?
No. For the vast majority of applications you do not need to attend court. Our admitted attorneys attend on your behalf and present the application to...
Read MoreCan I apply for debt review removal online?
Yes. NDRC accepts and processes debt review removal applications online across all nine provinces. You do not need to visit our offices in Gqeberha (P...
Read MoreHow do I check my debt review status?
You can check your debt review status through two main channels.
Read MoreWhat are the definitions of the NCR DHS Status Codes?
The NCR Debt Help System (DHS) records the debt review status of every consumer who has applied for debt review. Each status is recorded using a lette...
Read MoreHow do I know if my debt review flag has been removed?
Confirming removal requires checking both your NCR DHS record and your credit bureau reports. These are two separate systems and both must reflect the...
Read MoreDo I have to attend court to cancel debt review?
No. For unopposed applications, our admitted attorney partners appear on your behalf and argue the matter before the magistrate.
Read MoreCan I cancel debt review if I still owe money?
Yes. A court application under section 87 of the NCA can be brought where you still have outstanding accounts, provided you can demonstrate that you a...
Read MoreHow long after the court order before the credit bureaus update?
Once the court grants the order, the full court file is submitted to the National Credit Regulator for verification. NCR verification typically takes...
Read MoreCan I switch debt counsellors, and what does it cost?
Yes. The NCR's Withdrawal from Debt Review Guidelines (Circular 001/2021, paragraph 12) expressly permit a consumer to transfer from one registered de...
Read MoreWhat is Form 17.W(b) and when is it used?
Form 17.W(b) is the notice a registered debt counsellor issues to credit providers and credit bureaus when the counsellor suspends the rendering of de...
Read MoreWhat is Form 17.W(c) and when does my counsellor issue it?
Form 17.W(c) is the prescribed notice a debt counsellor serves on credit providers and credit bureaus when a Magistrate's Court hearing under Section...
Read MoreStill Have Questions?
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