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Debt Counselling is a way for an over-indebted consumer to prevent falling further in the deep with their debt. The process helps the consumer to reduce/restructure the installments of the credit agreements that the consumer has. This means that the consumer will be able to pay the same debt with a reduced total installment. This also means that there is an additional amount made available for the necessary living expenses. All of this helps the consumer so that the creditors do not take legal action should you not be able to make the minimum payments on these accounts.


Anyone who is over-indebted as determined by the NCA can apply for debt review, but some consumers may not qualify for debt counselling as their income might not be enough to set up a plan that can help them out of their financial situation. Also if your accounts are handed over to a legal firm, that account may not be included in the debt counselling process. The over-indebted consumer who needs the assistance can make contact with an NCR-registered debt counselor.


You would need a recurring income (payslip), id book, 3 months’ bank statements and account statements of all the accounts in order for the debt counselor to assess the financial situation and help effectively. These are the initial documents needed in order to apply for debt review.

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