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National Debt Review Center

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[Accessed May 9, 2023]

About National Debt Review Center

The National Debt Review Center are one of the most popular and successful providers of debt review services in South Africa.

They are registered with the National Credit Regulator and are fully compliant with the National Credit Act. Their debt counsellors are not only registered with the Debt Counsellors Association of South Africa but are also among some of the most experienced and passionate counsellors in the country.

Leverage the NDRC’s relationships

The NDRC is one of the largest and most successful providers of debt review services in the countries because they are efficient, quick, and well-connected.

They are well-connected with key players in their industry and have partnered up with key role players including the National Credit Regulator and the National Consumer Tribunal, to name a few.

This is important because these relationships are key to ensuring that your debt review process runs as smoothly as possible and that you are provided with the most beneficial options and the best possible service.

What is debt review?

Debt review is a measure available to over-indebted South Africans that was created and is regulated by the National Credit Act.

The idea is to reduce your repayment amounts so that you will have enough for your living expenses while also ensuring your creditors are repaid fairly.

How the NDRC goes the extra mile

While many debt review agencies claim to go the extra mile, the NDRC actually do it. Whether or not you undergo debt review, they will provide you with a range of tools, resources, and support to help you rehabilitate yourself if you’re experiencing financial difficulties and need some guidance and help.

The National Debt Review Center can also help you apply to end your debt review by guiding you according to Section 87(1)(a) of the National Credit Act.

This process involves an application being made to the court on your behalf showing that you are not over-indebted and requesting that the debt review listing be removed.

National Debt Review Center Services

If you're struggling with your current debt repayments and are over-indebted then debt review can help you take control of your finances but, it certainly isn't a one-size-fits-all solution.

That's why experienced debt review specialists such as the National Debt Review Center should be consulted. Their debt counsellors are highly experienced and will be able to determine if debt counselling is indeed the right option for your situation and guide you through the process.

Remember that the services of debt review are not free and all parties involved will be paid for their services accordingly. These fees are, however, regulated by the NCA and this provides you, the consumer, with protection from being overcharged.

The complete debt review process

NDRC take their role in the debt review process very seriously and will do its best to ensure that your best interests are safeguarded. To ensure this, they will carefully follow a set process when reviewing your finances and preparing your debt review application.

  • Step 1: You consult with a debt counsellor and complete Form 16 with their help
  • Step 2: Your debt counsellor will notify the credit bureaus and your credit providers that you are about to apply for debt review and they provide information on your debts
  • Step 3: A new budget will be drawn up
  • Step 4: Your debt counsellor will determine whether or not you are over-indebted and whether the application can proceed
  • Step 5: If you're considered over-indebted, the counsellor will notify your creditors and the credit bureaus
  • Step 6: Your credit providers can agree or make alternative suggestions to the proposed repayment plan
  • Step 7: Your court documents are prepared and you sign an affidavit for the court
  • Step 8: The court reviews the plan and documents and makes them an order of court
  • Step 9: You'll start to pay a single agreed-upon amount to a payment distribution agency

What you can expect while under debt review

Once you've been placed under debt review you will repay the set amount to the payment distribution agency until your debt is repaid in full.

You'll receive regular statements to update you on your progress and once you’ve paid off your debt completely you will be issued a clearance certificate. Once this has been done you can apply for and be granted credit once more.

National Debt Review Center – Debt Counselling

  • Loan Type Debt Review

Benefits of National Debt Review Center

  • Debt counselling
  • Debt review removal
  • Clearance certificates 
  • Debt management 
  • Credit checks 
  • Credit repair 

What you can expect when you apply for debt review with the NDRC

When you apply for debt review you will need to provide your debt counsellor with certain documents. These are:

  • Your South African ID book or Smart ID Card
  • 6-month bank statements and/or payslips
  • Your marriage certificate
  • All Section 129 Notices received from creditors
  • Any documentation relating to legal action taken against you to date
  • A completed Form 16 (your counsellor can help you with this)

In addition, it is in your best interests to fully disclose all of your debts and income to ensure that the debt review process runs smoothly and that the best possible repayment plan is drawn up.

Once under debt review, you will:

  • Be protected from creditors taking any action against you and enforcing their rights for a period of 60 business days after being notified of your intention to undergo debt review
  • You'll be unable to take out any further credit
  • You'll have to pay for the services of the debt counsellor, attorney, and payment distribution agency
  • You must make the repayments to the PDA as per the court order

Ready to apply for debt review?

If you’re ready to apply for debt review with the National Debt Review Center you can contact them to get a free and no-obligation assessment of your debts. This means you can quickly and easily find out if debt review is the right option for you.

You can also begin the application by completing Form 16 on their website or downloading a PDF version and returning it to them by email.

National Debt Review Center Contact

Physical Address

  • 1st Floor Harbourview Building, Oakworth Rd, Humerail Gqeberha Eastern Cape 6001 South Africa
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Opening Hours

  • Monday 08:00 – 16:30
  • Tuesday 08:00 – 16:30
  • Wednesday 08:00 – 16:30
  • Thursday 08:00 – 16:30
  • Friday 08:00 – 16:30
  • Saturday 09:00 – 16:00
  • Sunday 09:00 – 15:00