Debt review status assessment
We review your available records and documents to identify the stage of your debt-review matter.
Debt review removal support
Take the next step toward financial freedom.
We assess your debt-review status, explain the lawful route available to you, and help coordinate the documents and updates needed to move forward.
ConfidentialClear processSouth African support
How we help
Professional support from assessment to outcome.
We help you understand your current position and coordinate the appropriate next steps. No vague promises—just clear information and practical support.
Clearance process support
Where the legal requirements are met, we assist with the information and documents needed for the clearance process.
Credit bureau update assistance
We help follow up on the required updates after the appropriate formal outcome has been issued.
Administrative coordination
We communicate clearly, track progress and coordinate with the relevant registered professionals where required.
Client knowledge centre
Understand your debt. Make an informed decision.
Learn how debt review works, what an exit assessment involves and which records help us understand your case.
What is debt review?
Debt review, also called debt counselling, is a process under the National Credit Act for people struggling to meet their debt repayments. An NCR-registered debt counsellor assesses income, living costs and debts and proposes a repayment arrangement where appropriate.
It is not a new loan and does not cancel the money you owe. You must keep paying under the applicable arrangement. Further credit is restricted while you are under debt review.
Debt review and removal support
Debt review helps manage repayment. Removal support starts by checking whether a lawful exit or correction is available. A better salary or a wish to borrow again does not automatically end debt review.
We check the application, assessment, court position and settlement evidence before explaining your next step. La’eeqah handles the regulated debt-counselling decisions; legal questions are referred to an attorney where needed.
Why your stage matters
A status code alone is not enough to confirm eligibility. We need the underlying records.
- Application stage: applying in the prescribed manner has legal consequences. No court order does not mean automatic cancellation.
- Assessed as over-indebted, without an order: additional financial facts may need to go before the Magistrates’ Court with the debt counsellor’s proposal.
- Rearrangement order granted: exit is through section 71 clearance once its requirements are met.
What is a clearance certificate?
A Form 19 clearance certificate is issued by a registered debt counsellor when the section 71 requirements are satisfied. Settlement must be supported by creditor records.
An outstanding home loan may not prevent clearance if the other relevant debts are settled, the rearranged mortgage has no arrears and you can meet its future payments. Your debt counsellor must assess the full requirements.
Documents to prepare
After we explain the purpose and obtain the necessary consent, we may request:
- A clear ID copy and your current contact details.
- Income evidence, recent bank statements and a household expense breakdown.
- Available debt-review forms, court papers and correspondence from your debt counsellor.
- Creditor balances, paid-up letters and payment statements.
Send complete, readable pages. If something is missing, tell us so we can identify what is needed next. Never send a banking PIN, password or one-time password.
What happens after an outcome?
Keep copies of the formal outcome and follow up on your credit reports. A status correction and a new credit application are separate steps. A lender still assesses affordability and its lending criteria; approval is not guaranteed.
Continue tracking your budget and repayments. Ask for an explanation if a credit report still shows information you believe is incorrect, and retain the dispute reference and supporting documents.
Keep your repayment arrangement in place.
Stopping a debit order, paying creditors directly or changing debt counsellors does not itself remove debt review. If you cannot afford your payments, speak to your registered debt counsellor promptly before changing the arrangement.
Your registered debt counsellor
La’eeqah Coe
NCRDC3280
You can check a debt counsellor’s registration with the National Credit Regulator.
Visit our office
TS Client Services
17 Mymoena Crescent
Athlone Industrial, Cape Town
Further reading: NCR consumer guide · NCR withdrawal explanatory note · National Credit Regulator. General education; the appropriate route depends on your individual records.
A clear process
Know what happens next.
- 1
Tell us about your matter
Complete the short assessment and share the debt-review stage you know about.
- 2
We assess your status
We identify the documents, records and lawful route relevant to your circumstances.
- 3
You receive a clear plan
We explain the work required, expected dependencies and applicable service fee.
- 4
We coordinate the process
Once instructed, we track the agreed steps and keep you updated.
Clear pricing
Two service options with flexible payment choices.
Your correct route and final scope will be confirmed during the initial assessment.
Clearance special • Form 19
Clearance Certificate
R1 000
Once-off special: R1 000
Standard once-off fee: R2 000
Special valid until 31 December 2026.
Subject to assessment and meeting the section 71 clearance requirements.
Standard payment plan: R3 000 over 3 months
R1 000 per month. The special applies to the once-off option.
Court Removal
R6 500
Once-off service fee
Payment plan: R8 000 over 6 months
Approximately R1 333.33 per month
Final scope is confirmed after assessment. The final Court Removal instalment may be adjusted slightly so that payments total exactly R8 000. Third-party, legal, court or statutory charges—if applicable—are not included unless expressly stated in writing. Court work is only available where the facts and legal stage support it; it is not a way to cancel an existing rearrangement order simply because your finances improve.
Understand fees before proceeding.
You must receive a written explanation of the service, fees and payment terms. For credit-record improvement or information-removal services covered by section 126A(3), payment may only be received after the services have been fully performed. The payment options above do not require an upfront payment for those services.
Read the NCR’s payment guidanceConfidential assessment
Let’s check your debt-review status.
Complete this short form. Your answers are used only to prepare your WhatsApp enquiry and are not stored on this website.
- No guaranteed outcome
- No pressure to proceed
- Clear next-step guidance
Frequently asked questions
Clear answers before you begin.
Can debt review be removed immediately?
No. The available route depends on the legal stage of your case. Where a debt-rearrangement order exists, exit generally requires compliance with section 71 of the National Credit Act and a clearance certificate issued by a debt counsellor after the statutory requirements are met.
What if a court order already exists?
A voluntary withdrawal is not available after a debt-rearrangement order. Your status and settlement position must be assessed to determine whether the clearance requirements have been met.
Do you guarantee removal?
No reputable provider can guarantee an outcome before reviewing the facts. We provide assessment, administrative support and process coordination, subject to the applicable legal requirements.
I did not knowingly apply for debt review. What should I do?
Ask for the application and consent records, keep copies of messages and correspondence, and raise the matter with the NCR for investigation. An incorrect or unauthorised application requires an evidence-based complaint; a removal promise is not a substitute for that investigation.
Why do you need documents before confirming my route?
Your documents help establish what you applied for, whether an order exists and which debts are settled. Complete records help avoid recommending the wrong service. We explain what is needed and why before requesting it.
Does transferring to La’eeqah remove my debt-review flag?
No. A transfer changes the debt counsellor handling your matter. It does not automatically end debt review or restart the process.
Can I complete the assessment through WhatsApp?
You can contact us and supply the requested records through our agreed communication process. Any required formal signatures, court steps and creditor confirmations must still be completed.
How long does the process take?
Timing varies according to your status, document availability, creditor responses, the registered debt counsellor, any required legal process and credit bureau updates.
Ready to start?