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

Category: The Process

The time depends entirely on which removal method applies.

Clearance Certificate (Section 71): 7 to 21 business days total

• Once all accounts are settled or only a current home loan remains, your debt counsellor issues the Clearance Certificate within 7 days of confirming settlement.

• Credit bureaus update your profile within 21 business days of receiving the certificate.

Section 87 Court Application: 3 to 6 months

• Court application drafting: 2 to 4 weeks.

• The application must be served on all creditors at least 20 business days before the court date. This statutory waiting period accounts for a full calendar month on its own.

• Court dates are allocated by the court, typically 6 to 10 weeks ahead.

• Once the order is granted, DHS update takes same day to 7 business days under NCR Circular 09 of 2025.

• Credit bureaus update within 21 business days of confirmed DHS update.

• Total: 4 to 6 months. Courts with heavy case loads or matters that require postponement take longer.

What slows the process:

• Previous debt counsellor is unreachable, deregistered, or refuses to provide documents.

• Credit providers delay providing balances or documentation.

• Court postponements.

• Incomplete documentation requiring supplementary affidavits.

NDRC case managers provide weekly updates so you always know where your matter stands.