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NCR Registered · NCRDC2423 · NCRDC1887 · NCRDC1015
NCR Registered Debt Review South Africa
Take control of your debt. A brighter tomorrow is possible.
Debt review is the legal process under the National Credit Act that restructures what you owe into one affordable monthly repayment and protects your car and home while you pay it. Find out whether you qualify for debt review and how much you could save on your monthly repayments — you get your personalised result instantly, with no phone call, no waiting for an agent and no obligation.
Start my free debt review assessmentFree eligibility check · About 2 minutes · No documents to start- Instant personalised result
- No need to speak to an agent first
- See if debt review is right for you
- Continue with a registered debt counsellor only if you choose
45+ years
combined NCR-registered experience
20,000+
South Africans helped
3
NCR-registered debt counsellors
4.7 ★
from 116 Google reviews
Verify our NCR registration
Debt review may only be carried out by a debt counsellor registered with the National Credit Regulator under Section 44 of the National Credit Act. Debt Solutions 4U works through three registered counsellors. Every registration below can be checked on the regulator’s own register, and every certificate is published in full.
- NCRNCRDC2423Rowan BreedsView certificate →
- NCRNCRDC1887Wesley SparkmanView certificate →
- NCRNCRDC1015Tania DekkerView certificate →
Certificates issued 1 August 2026, valid to 31 July 2027. Check any of them on the NCR register — the regulator’s own page, not ours. Anyone offering debt review without an NCRDC number is not entitled to.
More than half your salary going to debt? You’re the norm here.
Every month we publish the South African Financial Pressure Index from the real applications our counsellors assess. In the three months to August 2026:
58.4%
of the typical applicant's take-home pay already committed to debt
56%
of applicants owe more than half their income every month
1,174
real applications behind these figures. Not a survey.
What NCR debt review does for you
Debt review is the formal process created by Section 86 of the National Credit Act for consumers who are over-indebted. It may only be carried out by a debt counsellor registered with the National Credit Regulator.
One affordable payment a month, not many
A registered debt counsellor negotiates new terms with every credit provider you owe and combines them into a single monthly amount, calculated from what you genuinely have left after living costs.
Your car and home legally protected while you pay
While the debt review is running and you keep to the plan, the credit providers inside it may not take legal steps against the assets it covers. For most people that is the whole reason to start.
Creditors deal with us, not with you
Once your application is lodged under Section 86 of the National Credit Act, credit providers deal with your debt counsellor. The calls and the collection letters go through one channel, and that channel is not your phone.
A simple process
Your debt review journey starts here
- 1
Complete your assessment
About two minutes online. Your income, your debt and your monthly costs.
- 2
See your result instantly
Your position is worked out and your next step shown immediately — you do not wait for an agent.
- 3
Continue only if it makes sense
If debt review appears suitable you can choose to speak to a registered debt counsellor. If it is not right for you, we say so.
How debt review works
1 · Check if you qualify
Two minutes, online. No documents, no credit check, no obligation.
2 · We look at the real numbers
A registered counsellor goes through your income, expenses and every debt. You find out exactly where you stand.
3 · We negotiate for you
We go to your creditors for lower interest and smaller repayments. You stop taking the calls.
4 · One payment, legally protected
One affordable amount a month — and your car and home are protected by court order while you pay it off.
NCR debt review — common questions
What is NCR debt review?
NCR debt review is the formal debt counselling process created by Section 86 of the National Credit Act. A debt counsellor registered with the National Credit Regulator assesses whether you are over-indebted, negotiates restructured terms with every credit provider you owe, and has the resulting plan made an order of court. Only an NCR-registered debt counsellor may carry it out.
Do I qualify for NCR debt review?
You qualify for debt review if you are over-indebted as Section 79 of the National Credit Act defines it — that is, you cannot meet all of your monthly repayments on time out of your income after living expenses. There is no minimum debt amount and no credit-score requirement, and being behind on payments is not a condition. The eligibility check is free, an NCR-registered debt counsellor makes the assessment from your actual income, expenses and credit agreements, and if you are not over-indebted the counsellor must reject the application and tell you so.
What is the National Credit Regulator?
The National Credit Regulator is the statutory body that regulates South Africa's credit industry under the National Credit Act 34 of 2005. It registers credit providers, credit bureaux, payment distribution agencies and debt counsellors, sets the fees debt counsellors may charge, and investigates complaints against them.
How do I check if a debt counsellor is registered with the NCR?
Search the NCR's public register of registered debt counsellors at ncr.org.za. Every registered counsellor has an NCRDC number and it is the number, not the company name, that matters — you contract with a registered individual. Debt Solutions 4U works through three: NCRDC2423, NCRDC1887 and NCRDC1015, and all three certificates are published on this page.
What are the NCR's contact details?
The National Credit Regulator can be reached on 0860 627 627, or 011 554 2600 from outside South Africa. Its offices are at 127 15th Road, Randjespark, Midrand, and complaints can be lodged through ncr.org.za. You do not need a debt counsellor's permission to contact the regulator about that counsellor.
How do I check my NCR debt review status?
Your debt review status sits on the NCR register, and it is held as a status code — A, B, C, D3, D4 or one of the clearance codes — rather than a yes or no. A registered debt counsellor can query the register with your identity number and tell you which code you hold and what it means. A credit bureau report shows a debt review flag but it is set by third parties and is not always current.
Are all debt review companies registered with the NCR?
They are required to be, and not all of them are. Debt review may only be performed by an NCR-registered debt counsellor, so any company offering it without an NCRDC number is operating outside the Act. Ask for the number of the individual who will handle your case, then check it on the register yourself — a legitimate firm will give it to you before you ask.
Can the NCR remove my debt review listing?
The NCR maintains the register, but the route off it depends on where you are. Before a court order, your debt counsellor can withdraw the application. After an order, only a court can set it aside. When your restructured debts are settled, your counsellor issues a clearance certificate and the credit bureaux are required to remove the listing. Nobody can buy you a different answer.
Ready to see where you stand?
Start your free debt review assessment — about two minutes, instant result, and it commits you to nothing.
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