Some leave out the details that matter most like what happens if you miss payments, how your court order protects you, or what your true repayment options are.

At Debt Therapy we believe in full transparency. No surprises. No hidden agendas and No half Truths

Debt Review can be the right solution only when you are properly informed and not misled.

Debt Review may be suitable if you are:

 Over-indebted as defined by the National Credit Act
 Earning a stable, regular income
 Struggling to meet monthly contractual debt repayments.
 Not able to cover day-to-day living expenses
 Concerned about legal action, repossession, or mounting arrears

When administered correctly and lawfully, Debt Review can help you regain financial relief, stability and legal protection.

What responsible Debt Review at Debt Therapy looks like!

 Transparent, NCR-regulated fees

Once-off fees

• Application fee: R50 excl. VAT
• Administration fee: R300 excl. VAT
•  

Debt Counsellor Negotiation / Restructuring fee

• Capped at R8,000 excl. VAT (Single application)
• Capped at R9,000 excl. VAT (Joint application)
• Collected with your first instalment

 Legal fees (explained upfront — no surprises)

• Generally collected with your second instalment
• Costs depend on whether:
  • NCT application (lower cost, limited flexibility), or
  • Magistrate’s Court application (variable, but more flexible)
• Magistrate legal costs are:
  • Matched as closely as possible to your affordability
  • Capped in line with DC Negotiation fee limits
• Due to standing agreements with our attorneys:
  • Costs are pre-negotiated
  • You know exactly what you’re paying before you sign

 Monthly payments & transparency

Payments are made via a Payment Distribution Agency (PDA) regulated by the National Credit Regulator (NCR), ensuring full transparency and accurate reconciliation.

PDA distribution fees (per creditor):

• Less than R100: Free
• R100 – R200: R5
• R200 – R500: R10
• More than R500: R15

Clients may choose to pay creditors directly, but this significantly reduces transparency, accurate record-keeping, balance reconciliation, and dispute resolution, and increases the risk of non-compliance with agreed terms.

 All creditors must receive payment by the third instalment

No hidden charges. No surprise deductions.

What happens once you apply for Debt Review

 You will be listed at the respective credit bureaus as under Debt Review
 You may not take out new credit until all debt is repaid
 Existing credit facilities (cards, overdrafts, store accounts) are blocked
 All credit agreements must be included, no cherry-picking
 If married COP, a joint application is mandatory
 Debt Review cannot be cancelled once over-indebtedness is confirmed
 The process is a long term commitment, typically 3–5 years
 If you default, creditors may terminate protection and resume legal action

 Legal process & protection

Once your Debt Review application is accepted and a court order is granted, creditors are legally restricted from enforcing credit agreements provided you comply with the repayment plan.

Debt Review is a formal legal process, not an informal arrangement.

 A lawful exit — when you qualify

When all obligations are met and you legally qualify:

 Your Section 71 Clearance Certificate is issued
 No artificial delays
 No withheld clearances
 No unnecessary extensions

All in line with the National Credit Act.

What Debt Review is not

 A “pay what you want” plan
 Instant debt cancellation
 A quick fix
 A credit shortcut
 A debt write-off
 A savings plan
 A payment holiday
 A loophole or secret ruling
 Suitable for everyone

What Debt Review is

 A structured, court-based legal process Debt Review delivered with transparency, honesty, and integrity

 Lawful creditor restructuring
 NCR compliant and regulated
 Transparent, capped fees
 Legal protection while you comply
 Long-term commitment
 Peace of mind through certainty and structure

Before committing to anything, get proper clarity

Our free, no-obligation assessment will:

 Determine if you qualify for Debt Review
 Advise if a better alternative solution exists which there are
 Explain your options clearly, honestly, and lawfully

 Start your assessment here:

Contact : 086 111 1863

Whats App: 081 381 2834

Email: app@debt-therapy.net

• WhatsApp us: https://bit.ly/WhatsApp-DebtTherapy

• Start your free debt assessment: https://bit.ly/free-debt-assessement

Because informed decisions protect your future.

The truth may be uncomfortable — but misleading advice is costly.

Debt Therapy – Integrity Guaranteed
NCR Registered: NCRDC49 | Compliance-driven | Client-focused

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