NCR stands for the National Credit Regulator. An NCR-registered debt counsellor is legally authorised to provide debt review services under the National Credit Act (NCA). DS4U is registered under NCRDC2423, ensuring you receive professional, regulated assistance with your debt.

The duration depends on the amount of debt and your repayment capacity. Most clients complete the process within 3 to 5 years. During this time, your interest rates are reduced and your assets are protected from repossession.

While under debt review, a flag is placed on your credit profile to protect you from further credit and creditor action. Once you complete the process and receive your clearance certificate, the flag is removed and your credit record is updated.

You must have a regular source of income (employment, self-employment, or other income) and be unable to meet your monthly debt obligations. A registered debt counsellor will assess your finances to determine if you are over-indebted as defined by the NCA.

Debt counselling fees are regulated by the NCR and are included in your restructured monthly payment — there are no upfront costs to you. The fees are set by legislation and are transparent, so you always know exactly what you are paying.