Which removal method applies to you depends on three factors: whether a court order exists for your debt review, whether you have settled your accounts, and whether your income allows you to resume original contractual payments.
You qualify for a Clearance Certificate (Section 71) if:
• All debts in your debt review plan are fully settled, OR
• Only a home loan remains outstanding, it is not in arrears, and all other debts are settled.
You qualify for a Court Application (Section 87) if:
• You still have outstanding accounts but your income has increased since entering debt review.
• You can show a Magistrate you are able to resume paying the original contractual monthly amounts.
• No debt review court order has been granted, or a court order exists but you can demonstrate you are no longer over-indebted.
You qualify for a Court Rescission (Section 165) if:
• A debt review court order or NCT consent order was previously granted.
• You can demonstrate you are no longer over-indebted, or all debts are settled.
You do not currently qualify if you are still over-indebted, meaning you cannot afford to resume original contractual payments to creditors. A court application while still over-indebted will not succeed.
NDRC's free assessment evaluates your income, debt obligations, and account status to give you an honest view of eligibility before any fees are discussed.