Who qualifies?

Any South African individual that receives an income.

Is it debt consolidation?

No. Existing debt is re-arranged and payments re-negotiated with current creditors.

Why use a debt counsellor?

The National Credit Regulator (NCR) supports and endorses the negotiation process between registered and accredited debt counsellors and financial institutions. When making use of a debt counsellor, the creditors have to enter into the negotiation process and consider alternative payment plans.

Is debt review what I need?

If your income does not cover living expenses and debt re-payments Debt Review is an excellent step in the right direction. You will have the opportunity to pay your debt at a pace that you can afford AND not loose your possessions whilst recovering from your current financial situation.

Can you cover all my debts?

Not necessarily. If a summons has been issued, that account will be excluded from the process. It is therefore important to not wait too long to be registered and protected.

Can I apply for more credit or use my credit cards during the debt review and debt plan?

No, we will ask you to destroy all your cards and return them to the credit providers. If you do take out credit during the plan then there will be serious repercussions. Remember, the objective is to become financially free! Making more debt will not help!

What happens if my credit providers do not accept the debt plan?

Your credit providers have the right to reject the debt plan and if this happens a magistrates order will need to be obtained. However credit providers are likely to accept a reasonable offer that shows you are committed to get out of debt.

Can the credit providers change their mind after the debt plan has been agreed?

No. As long as you maintain your obligations to the credit providers, they are not able to take further action.


I am in a relationship.  Must my partner register as well?

If you are married, in Community of Property (COP), you and your spouse must be registered.  If you are married with an Anti-Nuptual Contract (ANC), only one partner can register, although it is not advisable as household expenses are shared and you will be able to pay off your debt quicker if both parties partake.  If you are in a relationship, but not married, it is similar to being married with an ANC – you can register only one partner, but it is not advised.

How long does it take?

Once your application is approved, you are immediately protected.  Debt has to be re-arranged within 60 business days. Thereafter payments are made according to the new payment plan.

How can I apply?

You can contact a Quality Living Debt Counsellor or complete an application form and send it though to us. Please find instructions under Apply section of this website.