How Debt Review Works
We make the debt review process easy to understand and simple to follow
 — here is exactly what happens from your first call to your clearance
 certificate.
1. Free Financial Assessment
Complete our application form and one of our qualified debt counsellors will assess your income, expenses, and debt to determine whether you qualify for debt review.
2. Creditor Notification
Once you proceed, all your credit providers and credit bureaus are notified that you have entered debt review, helping to stop collection pressure and legal action.
3. Debt Restructuring
We negotiate with your creditors to reduce interest rates and restructure your debt into an affordable repayment plan. You could reduce your monthly debt repayments by up to 50%.
4. Court Approval
Your new repayment proposal is submitted for approval and becomes legally binding once granted, helping to protect assets such as your home and vehicle.
5. One Affordable Payment
Instead of paying multiple creditors, you make one affordable monthly payment through a registered Payment Distribution Agency (PDA), which distributes payments on your behalf.
6. Ongoing Support
Your debt counsellor monitors your progress and provides ongoing guidance to ensure you stay on track towards becoming debt free.
7. Clearance Certificate Issued
Once all qualifying debt has been settled, a Clearance Certificate is issued and the debt review status is removed from your credit profile, allowing you to apply for credit again.
We Handle the Process. You Focus on Your Future.
From dealing with creditors to managing paperwork, our team takes care of everything so you can get on with your life.