Will debt review ruin my credit record?

You are listed as 'under debt review' while the arrangement runs - you cannot take new credit. Once you exit successfully, the listing is removed within 10-30 days. Credit score recovers over time after exit.

How long does debt review last?

Depends on your debts and reduced payment amount - typically 3-7 years. Your home loan is usually restructured to run the original term; other credit is prioritised for faster settlement.

Can creditors still sue me while under debt review?

No - Section 88(3) of the NCA prevents creditors from taking legal action on debts subject to a Section 86 review or confirmed Section 87 court order. Creditors who violate this can have their claim dismissed.

What is the difference between debt review and sequestration?

Debt review restructures payments and keeps assets. Sequestration surrenders your estate to a trustee and discharges most debt but involves selling assets. Sequestration is faster (2-4 years to rehabilitation) but has bigger consequences.

Debt Review Attorneys

NCA Section 86 debt review for over-indebted consumers. Browse 304 LPC-registered attorneys across South Africa.

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Reviewed by the Justibly editorial team·Updated April 2026

Debt review is a formal process under Section 86 of the National Credit Act for consumers who are over-indebted. A registered debt counsellor negotiates reduced monthly payments with creditors, and a magistrate issues a court order making the arrangement binding. While under debt review, creditors cannot take legal action against you. Debt review attorneys handle entries, exits, and disputes with credit providers and the NCR.

When to hire a debt review attorney

You are behind on multiple accounts and can't cover all your debts.
You want to enter debt review and need legal guidance on suitability.
You are ready to exit debt review (all debts settled except bond).
A creditor is taking legal action despite your debt-review status.
You want to dispute reckless credit or a disputed account balance.

What to expect

A debt counsellor (not an attorney) administers debt review itself. An attorney may be needed to obtain the court order under Section 87, to exit debt review, or to defend enforcement action taken despite the Section 86 moratorium. Reckless credit applications (Section 83) can wipe out debt incurred through a lender's failure to assess affordability.

Typical fees

Debt counsellor fee is regulated by the NCR. Attorney fees for court orders and exits: R3,000-R12,000. Reckless credit applications: R15,000-R60,000+.

Legal information, not legal advice. This page provides general information about debt review in South Africa. It is not a substitute for advice from a qualified attorney. Laws and procedures change - consult a verified attorney for your specific matter.

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Debt Review Attorneys

When to hire a debt review attorney

What to expect

Typical fees

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