Find answers about debt review, debt counselling and managing your money. Start with the question that matters to you, then follow the guide to a practical next step.
Check whether debt review fits your situation and compare the alternatives.
The income, expenses and commitments a counsellor needs to assess.
Weigh the benefits, restrictions and responsibilities before deciding.
Compare what each route involves and the questions to ask about cost.
Understand why these options need different assessments.
Read answers to common worries about the process.
Recognise the borrowing cycle and consider your next step.
Use the register, ask questions and compare the support offered.
Understand a quote and the difference between a lower payment and a lower total cost.
Know which charges to ask about before accepting a quote.
Understand how interest affects repayments and what to discuss with a counsellor.
See why postponing a payment can change the amount you repay.
Understand collection stages, your responsibilities and when to ask for help.
Understand notices, summonses and later collection stages.
Read about repossession, voluntary surrender and the documents involved.
Understand why the stage of an account matters when asking for help.
Read about creditor conduct and your responsibilities under a plan.
Understand the steps to discuss when legal action is a concern.
Learn about the legal documents involved in debt collection.
Read about the assessment of lending and a case described by DRC.
Understand the commitment before guaranteeing another person’s debt.
A historical article about changes to credit legislation.
Find guidance on payment problems, emergencies, work and family circumstances.
Understand credit restrictions, emergency needs and borrowing after clearance.
Prepare an action plan for an unexpected shortfall.
What to prepare and discuss when your circumstances change.
Understand why a missed payment needs attention before you skip it.
Start with your budget, documents and conversations with creditors.
Read about employment questions to discuss before applying.
Prepare questions about household finances and your marriage contract.
Understand the repayment term, clearance and the next steps for your credit record.
Find out why your legal stage and supporting documents matter.
Understand what can change the length of a repayment plan.
Read about checking your record after completing the process.
A historical explanation of credit information amnesty.
Plan household spending, compare repayment methods and prepare for unexpected costs.
List your income, spending and debts, then check the plan each month.
Prepare a budget and choose a repayment order you can maintain.
Set aside ordinary expenses before deciding what to spend on celebrations.
Use everyday decisions to practise spending and saving.
Consider your own liability before taking credit for friends or family.
Consider transport costs as part of your household budget.
Read client accounts and company news in their original context.
Read the circumstances and repayment figures described in this case.
Read the account-by-account rates and figures described by DRC.
Read this individual account in its original circumstances.
Company news about a community assistance project.
Choose the tool that answers your question. The figures are estimates; they do not decide whether you qualify for debt review.
Check your budget and an illustrative payment before fees.
See what remains after living costs and debt payments.
Compare debt repayments with monthly income.
Compare paying the highest interest rate first with minimums only.
Explore how interest, payments and term affect repayment cost.
Work out a savings target based on essential spending.
Check a planned purchase against the money left in your month.
Compare the value of your assets with the debts you owe.
Explore your household finances with an educational score.
Explore credit behaviours without running a credit check.
Identify questions to discuss about an older debt.
Choosing between different approaches? Compare debt relief options.
Published on 19 September 2025
Creditors can sometimes extend credit to people who they know, can't afford to pay them back. This is of course irresponsible from their part and it always ends badly for consumers. Debt Review Centre…
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Published on 19 September 2025
Check common assumptions about debt review, free assessments, low quotes, cancellation and new credit before applying.
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Published on 19 September 2025
When Should I go Into Debt Review? Often clients tell us that if they knew the process of debt review was so simple and effective, they would have applied sooner. I usually ask clients then why did th…
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Published on 19 September 2025
The debt collection process is a simple process with severe consequences for the unaware debtor. So you skip a payment here and there and think it will not have an effect, as long as you make a paymen…
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Published on 19 September 2025
What Is Surety? Personal Surety is defined as “A surety bond or surety is a promise by a surety or guarantor to pay one party (the obligee) a certain amount if a second party (the principal) fails to…
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Published on 19 September 2025
Below is a table showing how “John”, actual client but not his real name, was able to get his interest rates reduced by different creditors, with the help of Debt Review Centre. Total Savings With Deb…
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Published on 19 September 2025
Build a household budget from your income, expenses and repayments. Use a planning table, check affordability and review actual spending.
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Published on 19 September 2025
We have noticed that our clients raise this subject more and more often. They have taken out a loan or a clothing account on behalf of a friend or family member, but as of late the borrower is unable…
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Published on 19 September 2025
Make a repayment plan, compare smallest-balance and highest-interest approaches, and see a worked example of moving payments between accounts.
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Published on 19 September 2025
Track fuel spending, compare journeys and include maintenance in your transport budget. Check affordability before changing vehicles.
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Published on 19 September 2025
Plan festive spending, protect January bills and decide how to use a bonus. Use a holiday budget table and check the cost of paying later.
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Published on 19 September 2025
Even though Debt Review (DR) was incepted during June 2007 with the implementation of the National Credit Act 34 of 2005 , we often find that some members of the public have the most ludicrous concept…
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