No. Debt review is intended to restructure the repayment of qualifying debt; it does not erase the amounts you owe.

Yes. It is a formal process provided for in the National Credit Act and must be facilitated by a debt counsellor registered with the National Credit Regulator.

No. A debt-review indicator affects access to new credit while the process is active. When the applicable legal requirements are met and clearance is properly processed, the relevant records should be updated. Your broader credit profile will still reflect other lawfully reportable information.

Generally, no. The purpose of debt review is to rehabilitate existing debt without adding new credit obligations.

No provider should make that absolute promise. Debt review can offer protection in qualifying circumstances, but timing, prior legal action and continued compliance matter. Missing agreed payments may place assets at risk.

A repayment proposal may seek adjusted terms, but the final outcome depends on the applicable process, creditor participation and any order or agreement. No specific reduction should be guaranteed before assessment.

Not always. The lawful route depends on the stage of the process and whether a debt rearrangement order or agreement exists. A status assessment is required before advice is given.

A registered debt counsellor may issue a Form 19 clearance certificate when the statutory requirements are met. This usually requires qualifying debts to have been settled in accordance with the applicable order or agreement, subject to the treatment of certain long-term credit such as a mortgage.

Contact us for an assessment. We will ask for the relevant records and help establish what was submitted, what status is recorded and which corrective or legal route may apply.

No. We guarantee clear communication and a proper assessment, but legal outcomes, bureau updates and future credit decisions are controlled by the facts and relevant third parties.

No. Debt management and budget coaching provide planning and educational support without automatically placing you under the statutory debt-review process. They do not create the same legal protections.

No. A creditor may accept, reject or change a settlement proposal. We help obtain and compare written offers, but a discount exists only when the creditor confirms it in writing.

B.K. Credit Solutions provides guidance on the available routes. A new consolidation loan may only be offered by a registered credit provider. If a referral partner is used, its identity, NCR registration and credit terms must be disclosed separately.

Insurance may only be advised on or arranged through an appropriately authorised financial-services provider or representative. Any partner, FSP number, product terms, premiums, exclusions and commission disclosures must be provided before a client accepts cover.

The website may state this only if the business confirms the scope of the free consultation. Explain what is included and disclose any professional, legal or administrative fees before paid work begins.

We treat personal and financial information as confidential and process it for legitimate service purposes in line with applicable privacy requirements. The full Privacy Policy should explain how data is collected, used, shared, stored and protected.