Do you qualify to leave debt review?
A free, honest check. Answer a few questions about your situation, upload your court order if you have one, and we will tell you which legal route out actually fits you, or whether staying in is the better move for now.
Acting for consumers, never for banks.
- Free, and no ID number needed
- Your court order read by a consultant, not a form
- A straight answer, including when staying in is better
There are two ways out, and they are not the same.
Which one applies to you depends on a single fact: whether a Magistrate's Court order was granted re-arranging your payments. That is why the check asks about it early, and why uploading the order speeds everything up.
A clearance certificate
Where the debts under the re-arrangement have been satisfied, section 71 of the National Credit Act entitles you to a clearance certificate from your debt counsellor, and the bureaus must then remove the debt review listing from your record.
An application to court
Where a court order is in place and the debts are not yet settled, the order has to be set aside or the debt review withdrawn before the flag can come off. That is court work, and it is run through the independent affiliate attorneys we work with.
What the free check actually does
We check your actual status
With the credit bureaus and against the National Credit Regulator's register, so we are working from the record rather than from memory.
A consultant reads your order
If you upload your court order, judgment or clearance certificate, a consultant reads it. That single document usually decides the route.
You get the honest answer
The route that fits, what it involves and what it costs. Or, just as honestly, that staying in debt review is the better move for you right now.
Sometimes the honest answer is stay.
Debt review exists to protect you. The moment it ends, your original instalments come back, and so does everything your creditors were prevented from doing. We will say so if that is your position.
Protection ends the day you leave
While the re-arrangement stands, creditors cannot enforce against you on the restructured agreements. Once it is lifted, they can, and a home loan or a vehicle agreement is the first thing at risk.
The original instalments come back in full
Not the reduced figure you pay now. If those numbers are still out of reach, leaving simply moves you from a plan you dislike into arrears you cannot fix.
Being nearly finished changes everything
If your short term accounts are paid up and only a bond is left, you may already qualify for a clearance certificate without going near a court. Most people in that position have no idea.
An error at the start is a different case
If you were placed under review without understanding it, or the paperwork was never done properly, that is a specific argument with a specific route, and it is worth raising.
Three steps. No cost to find out.
Answer the questions
A few minutes, and as honest as you can be. The right route depends entirely on your real position.
We check and read
We confirm your status with the bureaus and the Regulator, and a consultant reads whatever you have uploaded.
You get a straight answer
The route that fits, what it involves, and what it costs. You decide from there, with nothing owed for the check.
An information and analysis service, not legal or financial advice. Consumer Credit Law (CCL) is a specialist
consumer credit consultancy, not a law firm; where a court application is needed it is run through independent affiliate attorneys,
and any costs are explained before anything goes ahead. No outcome is guaranteed.
Marlonia Investment Holdings (Pty) Ltd t/a Consumer Credit Law (CCL) Consultants · Reg No 2024/707356/07