Debt counselling is a legal process that helps over-indebted consumers restructure their repayments.

Anyone who is struggling to meet their monthly debt repayments can apply.

No, but you will be under **debt review**, meaning you cannot take out new credit.

No, once you are under debt counselling and follow the plan, legal action is prevented.

On average, it takes **36-60 months**, but it depends on your financial situation.

Yes, if you **settle all outstanding debts** or a court removes you from debt review.

Yes, as long as you comply with your repayment plan.

It could put you at risk of legal action, so notify us immediately.

Contact us, and we will guide you through the process.

You will receive a **debt clearance certificate**, allowing you to take credit again.

Your credit score may drop, but after completion, it can improve over time.

No, unless you disclose it yourself.

No, you will not be allowed to take on new credit during debt counselling.

No, your salary remains unchanged, but we will assist in budgeting.

All credit agreements, including **personal loans, credit cards, store accounts, and vehicle finance**.

Debt counselling does not cover **child support, court fines, and secured debt after legal action**.

Yes, renting is allowed, but you won’t be able to apply for a home loan.

Yes, you will be assigned a **dedicated debt counsellor** to guide you.

Both you and your spouse must apply for debt counselling together.

Yes, but you must still **meet your repayment obligations**.

They collect payments from you and distribute them to creditors.

You must inform us immediately to reassess your affordability.

Yes, once you receive your clearance certificate and rebuild your credit score.

We can assist in adjusting your repayment plan.

Yes, debt counselling allows you to **keep your assets** while managing your debts.