When the flag has outlived the problem.

A court-based route to end a debt review you've outgrown — eligibility checked first, bureaus updated after the order, and a straight answer either way.

What it is

Debt review is the formal process under the National Credit Act that restructures payments for over-indebted households — and while it runs, a debt review flag sits on your credit record, blocking new credit. That protection makes sense in a crisis. It stops making sense when the crisis is over.

Debt review removal is the legal exit: a court-based process that, where you qualify, ends the review so the credit bureaus can be updated and your record can reflect where your finances actually stand today.

Who it fits

People whose debts under the review are settled or nearly settled, and people whose finances have genuinely recovered — steady income, manageable payments, the storm passed — who are still carrying a flag that no longer describes them.

It does not fit everyone. If the payments are still unmanageable, a court is unlikely to see recovery, and we will tell you that at the eligibility check rather than take your money to find out slowly.

How it runs

First, the eligibility check — free, and honest. We look at where your file stands: what was granted, what has been settled, where your finances are now. You get a straight answer: the route is open, or it isn't yet, and why.

Where it's open, we prepare the court application for you and keep you informed at every stage. Once the court grants the order, the credit bureaus are updated to reflect it. That's the whole point: the record catches up with reality.

Where the fees stand

Nothing is quoted until the eligibility check is done — because quoting before checking is how the guarantee-merchants work. Once we've confirmed the route is genuinely open to you, you get a written quote for your case, and you decide with the numbers in front of you.

What we'll never promise

We will never promise a guaranteed result, removal in a set number of days, or a record wiped clean on demand. The decision is a court's, and the calendar is a court's. Be wary of anyone in this industry who claims otherwise. What we control — and promise — is an honest eligibility check first, a properly prepared application, and a straight answer at every stage.

Do I qualify

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FAQ

Removal, asked straight.

The questions we hear every week about leaving debt review — with the honest answers.

It depends on where your file genuinely stands — broadly, whether the debts under the review are settled or nearly settled, and whether your finances have recovered to the point where the review no longer reflects reality. That's exactly what the free eligibility check answers, and we give you the answer straight, either way, before any fees.

Honestly: it depends on the court roll and on your case, and we won't promise a number — nobody controls a court's calendar. What we do promise is that you'll know where your application stands at every stage.

No — and please be wary of anyone who says yes. Removal runs through court, and the decision is the court's. What we control is doing the eligibility check first, telling you plainly whether the route is open, and preparing the application properly if it is.

No — the application is prepared for you and brought through the proper legal channels, and we keep you informed at each stage. Your job is the honest paperwork about where your finances stand; the process is ours to run.

The eligibility check comes first, free. Only once we've confirmed the court route is genuinely open to you do you get a written quote for your case — then you decide, with the numbers in front of you.

Debt review is the formal statutory process under the National Credit Act, run by registered debt counsellors through the courts — powerful protection for the deeply over-indebted, but it flags your record and restricts new credit while it runs. It isn't a service we offer — though removal from it is. Consolidation is simply a new loan replacing old ones. Mediation is direct negotiation — flexible and informal, binding by agreement. Our guide on choosing between the three walks through who each fits.

Yes. Your employer isn't told, and we don't discuss your file with anyone who isn't part of resolving it. Your creditors obviously know they're dealing with us — that's the point.

That's normal — the situations overlap more than the labels suggest. Send us a WhatsApp in your own words, or take the 60-second check on the home page. The assessment is free and 'neither, actually' is an answer we're happy to give.