Debt Review Removal
A Lawful, Structured Path Out of Debt Review
We assess your debt review status and help coordinate the process that applies to your specific circumstances.
The service
About Debt Review Removal
Debt review is a formal process under the National Credit Act. Once you are under debt review, a flag is placed on your credit profile and exiting the process must follow the applicable legal requirements.
The correct route depends largely on whether a court order or National Consumer Tribunal (NCT) order has been granted. Where no order has been obtained, different options may be available than where an order is in place. Where an order exists, the process is generally more formal and may require a court application or proof that obligations have been satisfied.
CrediSure assists by establishing exactly where your matter stands, obtaining the relevant documentation and coordinating the appropriate next steps with your debt counsellor and other parties.
Our role
How CrediSure Assists
- Assess your debt review status and the stage your matter has reached
- Request and review documentation, including applications, proposals and any court or NCT orders
- Engage with your current or previous debt counsellor on your behalf
- Coordinate the lawful removal or clearance procedure that applies to your matter
- Follow up with credit bureaus to confirm that your profile has been updated once the process is complete
Step by step
The Process
- 01
Initial consultation
We discuss your situation and how long you have been under debt review.
- 02
Status investigation
We obtain documentation and establish whether a court or NCT order exists.
- 03
Route assessment
We explain the options that may be available and what each requires.
- 04
Coordination
We engage the relevant parties and manage the required process.
- 05
Verification
We confirm with the bureaus that your status has been updated.
Potential benefits
- Clarity on your legal status and the requirements for exiting debt review
- Professional engagement with debt counsellors and other parties
- Structured case management and regular progress updates
- A path towards being able to participate in the credit market again, where legally possible
Important considerations
- Debt review cannot simply be cancelled on request; the process must satisfy legal requirements.
- Where a court or NCT order exists, removal generally requires the debts to be settled or a court process.
- Exiting debt review does not cancel the underlying debt. Outstanding amounts remain payable.
- Timelines depend on third parties, including debt counsellors, creditors, courts and bureaus.
FAQ
Debt Review Removal — common questions
Can my debt review be removed immediately?+
Not automatically. The route depends on your status, whether an order was granted and whether your debts have been paid. We assess this before recommending any step.
What is a clearance certificate?+
A clearance certificate (Form 19) is issued by a debt counsellor once all obligations under a debt restructuring order have been satisfied, with some exceptions such as long-term home loans.
Will my debts disappear once debt review is removed?+
No. Removing the debt review flag does not cancel the debt. You will continue to owe any outstanding balances, but you will deal with creditors directly.
CrediSure Consultings provides credit advisory and assistance services. Eligibility and outcomes depend on individual circumstances, creditor responses and applicable legal requirements. No specific result, credit score improvement, debt deletion or loan approval is guaranteed. Information on this website is general in nature and is not legal advice.
Related perspective
Understanding Debt Review in South Africa →What debt review is, how it works under the National Credit Act and what it means for your credit profile.
Independent industry resources
An informed perspective
Public guidance from regulators, credit-information specialists and complaints bodies.
These are independent reference sources, not testimonials about CrediSure. Inclusion does not imply endorsement, affiliation or a partnership. General guidance is not a decision on your individual case.
Find out whether debt review removal may be right for you
Speak to our team about your credit profile and discover the solutions that may be available to you.