Debt Review guidance for a clearer financial future

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Debt Review

A structured path when repayments no longer fit your life.

Debt review is a formal debt-relief process for over-indebted consumers. We help you understand the assessment, the implications and the process before you decide.

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Debt review starts with affordability—not a sales promise.

A registered debt counsellor assesses income, essential living expenses and debt repayments to determine whether a consumer is over-indebted. If the process is suitable and you choose to apply, a repayment proposal can be developed and handled through the applicable legal process.

Voluntary

You must understand and consent to the application.

Formal

It is governed by the National Credit Act and its procedures.

Structured

The process works from verified affordability and qualifying debts.

When to ask for help

Signs your current debt position needs attention.

01Using one account to pay another

02Missing or delaying monthly repayments

03Having too little left for essential living costs

04Receiving growing collection calls or notices

05Relying on new credit for ordinary expenses

06Feeling unsure which creditor to pay first

Typical process

What happens, step by step.

  1. 1

    Initial conversation

    You share your concerns and receive a plain-language introduction to the process.

  2. 2

    Financial assessment

    Income, expenses, debts and supporting documents are reviewed.

  3. 3

    Finding and consent

    The outcome and implications are explained before any formal step proceeds.

  4. 4

    Proposal and notices

    Where applicable, a repayment proposal is prepared and relevant parties are notified.

  5. 5

    Legal process and ongoing support

    The rearrangement follows the required route and the journey is managed over time.

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Important implications

Read before you sign.

  • You generally cannot access further credit while under debt review.
  • You remain responsible for following the agreed payment arrangement.
  • Debt review does not erase valid debt.
  • Your outcome depends on your verified position and creditor/legal process.

Confidential support

Ask for a debt-review assessment.

Request an assessment Call 010 555 0198
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