Compare debt review and get free debt help in South Africa
DebtReviewZA helps over-indebted South Africans take back control: compare debt review companies and fees, understand how debt counselling and debt review removal really work, and use free creditor letters and a budget template. Independent, free, and no sign-up.
Debt Review
Compare debt review companies, costs and how to choose
Explore →Debt Counselling
How the process works, removal, the NCR and your rights
Explore →Templates & Tools
Free letters, forms, budgets and checklists
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Debt review removal: how to get off debt review
Debt review removal: how to get off debt review legally - finish for a Form 19 clearance certificate, or apply to court to rescind. Beware 'instant' scams.
What is debt review?
What is debt review? A legal South African process under the National Credit Act that lowers your repayments and shields you from creditors while you pay.
Debt review removal request letter (template)
Free debt review removal request letter for South Africa. Ask your debt counsellor to issue a clearance certificate and clear the debt review flag.
Loans for debt review clients: what you must know
Loans for debt review clients: taking new credit under debt review is generally not allowed, and these offers are high-risk and often predatory. Avoid them.
DebtBusters review
An honest DebtBusters review: what this NCR-registered debt counsellor does, how the free assessment works, fees, the WhatsApp number and the downsides.
Letter to creditors when you cannot pay (template)
Free letter to creditors when you cannot pay your accounts in South Africa. Copy, paste and adapt this template to explain your financial difficulty.
Free debt review removal: is it really free?
Free debt review removal explained: the proper route costs only the clearance certificate, not thousands. Beware firms charging big fees for 'free' removal.
Debt review clearance certificate (Form 19) explained
The debt review clearance certificate (Form 19) is issued by your counsellor when debts are paid. It triggers removal of the flag from your credit profile.
Why DebtReviewZA
Debt review can be a lifeline, but the fine print - fees, how long it lasts, what it does to your credit record, and how to get out of it - is where people get caught out, and the companies selling it rarely explain the downsides. We exist to make the choices clearer: what each debt counsellor actually does, how the National Credit Act protects you, what it costs, and how to come out the other side with a clearance certificate. We are not a debt counsellor or credit provider, so our guides put consumers first.