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I need to go under Debt Review now but I am getting married soon – how will this affect my future spouse?

We recommend that you get married ANC and not COP, because if you get married COP then your future spouse must also be placed under debt review jointly with you.

Can I go under debt review if I’m still in the divorce process and married COP?

We can get everything prepared with all the documentation, prepare of your budget etc, but we will have to wait until you are officially divorced until we can legally place you under debt review without your spouse. When your divorce is final we will process the legal part of debt review.

Can I apply with my partner if I am not married?


Can I apply jointly with my partner if I am married ANC?


I am married COP but my partner does not want to be placed under debt review – what can I do?

It’s a difficult situation when one partner is reluctant to go under debt review. The advice we can give is to try to bring up the subject and point out the advantages and some of the misconceptions about debt review:

  • Going under debt review is nothing bad or negative, thousands of South Africans go under debt review every week in order to be financially better off and get their lives under control.
  • Almost half the population(10 million plus) in South Africa with credit is currently in arrears with one or more of their loans. You are not alone and making a choice to change for the better.
  • No one has to find out, not your employers nor friends and relatives (unless you tell them). So if it seems embarrassing being under debt review, don’t worry because no one needs to know. People might however notice that you are better off and less stressed because you can afford to pay your bills.
  • When you have cleared your debt, your name will be cleared and your credit record will be in better shape.
  • Going under debt review is simply a way to get out of the debt trap that so many fall into, it happens every day.
  • Think about what it would be like to live DEBT FREE!!
  • Taking action NOW is the only way, procrastinating and pretending the problem is not there will make things worse. Act Now.

If I am married COP must my spouse also be placed under Debt Review?

Yes, if you are married COP it means that you legally share all assets as well as debts with your partner. Therefore, by law, both of you must go under debt review.

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Debt Therapy (Pty) Ltd
Unit 9
1st Floor
Time business park
37 Blaauwberg Road
Cape Town
7441 Debt Therapy