Debt review templates & tools

Practical, free help for the paperwork: letters you can copy to creditors, a debt review removal request, an acknowledgement of debt, a monthly budget template, and plain-language guides to fees, your credit record and your rights. Written for South Africans dealing with debt.

Letters to creditors

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.

Debt repayment proposal letter to creditors (template)

Free debt repayment proposal letter template for South Africa. Offer creditors a realistic monthly instalment in writing using this copy-paste format.

Settlement offer letter to a creditor (template)

Free full and final settlement offer letter template for South Africa. Offer a creditor a reduced lump sum to close an account using this copy-paste format.

How to respond to a section 129 letter of demand (template)

Free template to respond to a section 129 letter of demand in South Africa. Reply, propose a plan or apply for debt review within the time given.

Prescribed debt dispute letter (template)

Free prescribed debt dispute letter for South Africa. Tell a collector a debt has prescribed under the Prescription Act and is unenforceable.

Financial hardship letter (template)

Free financial hardship letter template for South Africa. Explain a job loss, illness or income drop to your creditor and request relief using this format.

Debt review forms & letters

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.

Request your debt review clearance certificate (template)

Free letter to request your debt review clearance certificate (Form 19) in South Africa. Ask your debt counsellor to issue it and clear the flag.

Letter to cancel debt review (template)

Free letter to cancel debt review in South Africa. Notify your debt counsellor you want to withdraw, and understand when cancellation is and is not possible.

Credit bureau dispute letter to remove debt review (template)

Free credit bureau dispute letter for South Africa. Dispute a debt review flag or incorrect listing with TransUnion, Experian or other bureaus.

Letter to challenge a garnishee / emoluments order (template)

Free letter to challenge a garnishee or emoluments order in South Africa. Query an unaffordable or unlawful deduction from your salary with this template.

Complaint letter about a debt counsellor (to the NCR) (template)

Free complaint letter about a debt counsellor for South Africa. Report poor service or missing payments to the National Credit Regulator with this template.

Acknowledgement of debt (AOD) template

Free acknowledgement of debt (AOD) template for South Africa. Record what is owed and the repayment terms, and understand what signing an AOD really means.

Budgeting tools

Monthly budget template to get out of debt

Free monthly budget template for South Africa to help you get out of debt. List income and expenses, find spare cash for debt, with a worked example included.

Household budget worksheet

Free household budget worksheet for South Africa. Track all your monthly income and expenses by category, see where your money goes, and find room to save.

Debt snowball vs avalanche tracker (template)

Free debt snowball vs avalanche tracker for South Africa. List your debts, choose a payoff order, and track progress to clear them faster with this template.

Guides

Debt review fees explained

Debt review fees explained for South Africa, with the regulated NCR fee maximums in a clear table, what you pay and how it is added to your plan.

Debt review application checklist (Form 16)

Debt review application checklist for South Africa. The documents and steps for a Form 16 application, what to expect, and the pros and cons before you apply.

How to write a letter to your creditors

How to write a letter to your creditors in South Africa: what to include, the right tone, what to avoid, and which template to use for each situation.