Is Debt Review Right for Me?

Helps you understand whether debt review under the National Credit Act might suit you, or whether another option could fit better, before you talk to an NCR-registered debt counsellor.

Debt review is a legal process for people who cannot keep up with their debt. It can lower payments, but it also has rules, costs and a time commitment. This check helps you prepare for an honest conversation. Private. Your employer never sees your answers. You can stop anytime.

Private: your answers stay on this device and are not saved. You can stop at any time.

Do you have a regular income (salary, business income, pension or grant)?
After paying essentials, can you afford all your minimum debt repayments every month?
How many credit agreements do you have (loans, store cards, credit cards, car, overdraft)?
Are you behind (in arrears) on any account?
Are you willing to take no new credit (no new loans, no store cards) until your debt review is complete, which can take several years?
If your payments were reduced and spread out, could you pay one reduced monthly amount reliably?
Has a creditor already started legal action (a summons) on any of your accounts?
Is most of your debt secured (home loan, vehicle finance) rather than unsecured (loans, cards, store accounts)?
Are you married in community of property?
Would you want to keep a credit card or overdraft for emergencies?