Frequently Asked Questions About Debt Removal
There are important considerations when it comes to the removal of Debt Review from your name.
Frequently Asked Questions About Debt Removal
There are important considerations when it comes to the removal of Debt Review from your name.
Everything your need to know about Debt
We’ve compiled answers to the most common questions South Africans ask about Debt Review and Debt Consolidation. This way, you can make an informed decision and choose the debt relief option that’s right for you.
Everything your need to know about Debt
We’ve compiled answers to the most common questions South Africans ask about Debt Review and Debt Consolidation. This way, you can make an informed decision and choose the debt relief option that’s right for you.
Debt removal is a legal process that helps eligible clients remove or correct certain negative Listings on their credit profile, such as:
• Judgments
• Adverse listings
• Prescribed debts
• Incorrect or outdated information
• Assist with Clearance certificates
This process is done lawfully, using registered debt counsellors and attorneys.
No. Debt removal does not automatically write off all debt. Each account is assessed individually. Some debts may:
• Be rescinded
• Be settled
• Be corrected or updated
Other debts may still need to be paid or negotiated.
Eligibility depends on several factors, including:
• Your credit report
• Whether debts are prescribed
• If judgments can be rescinded
• Whether you were under debt review
• The age and status of the accounts
A full assessment is required before eligibility can be confirmed.
Yes. Debt removal is completely legal when done correctly through a registered debt counsellor and attorneys, and in line with:
• The National Credit Act
• Court procedures
• Credit bureau regulations
Be cautious of anyone promising “guaranteed” results.
The timeframe depends on the complexity of your case:
• Simple matters: 3–6 months
• Court-related or multiple accounts: 6–12 months
You will be kept informed throughout the process.
Once negative listings, judgments, or incorrect information are removed or updated, your credit score usually improves over time. Improvement is gradual and depends on your overall credit behaviour.
Yes. Many clients qualify for debt removal during or after debt review. The approach depends on your specific situation and court orders.
Commonly required documents include:
• ID document
• Latest credit report
• Court orders (if applicable)
• Proof of income
• Debt review documents (if applicable)
Your consultant will guide you step by step.
A Debt Review court order confirms that you were placed under debt review. A judgment order relates to a creditor enforcing payment. They are different documents and are used for different legal purposes.
In some cases, yes, especially if an account has not yet been legally addressed. Your consultant will advise you on how to handle creditor communication.
If a creditor raises an objection:
• Attorneys will respond legally
• Negotiations may take place
• Court processes may continue if required
You will be kept informed at every stage.
Negative listings may be:
• Removed
• Updated
• Marked as settled or rescinded
The outcome depends on each individual account.
No. You are strongly advised not to apply for new credit until the process is completed, as this may negatively affect your case.
Once finalised:
• Credit bureaus are updated
• Legal confirmations are issued
• You receive written confirmation
• Your credit profile begins reflecting the changes
No legitimate provider can guarantee results. However, we follow a lawful, transparent process and aim for the best possible outcome based on your profile.
Debt removal is a legal process that helps eligible clients remove or correct certain negative Listings on their credit profile, such as:
• Judgments
• Adverse listings
• Prescribed debts
• Incorrect or outdated information
• Assist with Clearance certificates
This process is done lawfully, using registered debt counsellors and attorneys.
No. Debt removal does not automatically write off all debt. Each account is assessed individually. Some debts may:
• Be rescinded
• Be settled
• Be corrected or updated
Other debts may still need to be paid or negotiated.
Eligibility depends on several factors, including:
• Your credit report
• Whether debts are prescribed
• If judgments can be rescinded
• Whether you were under debt review
• The age and status of the accounts
A full assessment is required before eligibility can be confirmed.
Yes. Debt removal is completely legal when done correctly through a registered debt counsellor and attorneys, and in line with:
• The National Credit Act
• Court procedures
• Credit bureau regulations
Be cautious of anyone promising “guaranteed” results.
The timeframe depends on the complexity of your case:
• Simple matters: 3–6 months
• Court-related or multiple accounts: 6–12 months
You will be kept informed throughout the process.
Once negative listings, judgments, or incorrect information are removed or updated, your credit score usually improves over time. Improvement is gradual and depends on your overall credit behaviour.
Yes. Many clients qualify for debt removal during or after debt review. The approach depends on your specific situation and court orders.
Commonly required documents include:
• ID document
• Latest credit report
• Court orders (if applicable)
• Proof of income
• Debt review documents (if applicable)
Your consultant will guide you step by step.
A Debt Review court order confirms that you were placed under debt review. A judgment order relates to a creditor enforcing payment. They are different documents and are used for different legal purposes.
In some cases, yes, especially if an account has not yet been legally addressed. Your consultant will advise you on how to handle creditor communication.
If a creditor raises an objection:
• Attorneys will respond legally
• Negotiations may take place
• Court processes may continue if required
You will be kept informed at every stage.
Negative listings may be:
• Removed
• Updated
• Marked as settled or rescinded
The outcome depends on each individual account.
No. You are strongly advised not to apply for new credit until the process is completed, as this may negatively affect your case.
Once finalised:
• Credit bureaus are updated
• Legal confirmations are issued
• You receive written confirmation
• Your credit profile begins reflecting the changes
No legitimate provider can guarantee results. However, we follow a lawful, transparent process and aim for the best possible outcome based on your profile.
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