---
title: "Debt Review Information"
url: https://vsdebtcounseling.co.za/debt-review-information/
date: 2026-05-23
modified: 2026-05-23
author: "admin"
type: page
lang: en
---

# Debt Review Information

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!(https://vsdebtcounseling.co.za/wp-content/uploads/2026/05/Debt-Review-vs-Administration-vs-Sequestration-Which-Debt-Solution-Is-Right.jpg) ](https://vsdebtcounseling.co.za/debt-review-vs-administration-vs-sequestration-which-debt-solution-is-right/)

## (https://vsdebtcounseling.co.za/debt-review-vs-administration-vs-sequestration-which-debt-solution-is-right/)

South Africa has three main legal debt solutions. Debt review restructures your debt under the National Credit Act while you...

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!(https://vsdebtcounseling.co.za/wp-content/uploads/2026/05/Do-You-Qualify-for-Debt-Review-1024x619.jpg) ](https://vsdebtcounseling.co.za/do-you-qualify-for-debt-review-signs-youre-over-indebted/)

## (https://vsdebtcounseling.co.za/do-you-qualify-for-debt-review-signs-youre-over-indebted/)

You qualify for debt review if you are a South African earning a regular income and you are over-indebted, meaning,...

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!(https://vsdebtcounseling.co.za/wp-content/uploads/2026/05/Can-I-Get-Credit-or-a-Loan-While-Under-Debt-Review-1024x659.jpg) ](https://vsdebtcounseling.co.za/can-i-get-credit-or-a-loan-while-under-debt-review/)

## (https://vsdebtcounseling.co.za/can-i-get-credit-or-a-loan-while-under-debt-review/)

No. While you are under debt review, you cannot legally get new credit from any registered lender. Section 88 of...

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!(https://vsdebtcounseling.co.za/wp-content/uploads/2026/05/What-Is-Prescribed-Debt-and-How-Do-You-Know-If-Yours-Qualifies-1024x608.jpg) ](https://vsdebtcounseling.co.za/what-is-prescribed-debt-and-how-do-you-know-if-yours-qualifies/)

## (https://vsdebtcounseling.co.za/what-is-prescribed-debt-and-how-do-you-know-if-yours-qualifies/)

Prescribed debt is old debt that a creditor can no longer legally force you to pay. Under South Africa's Prescription...

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!(https://vsdebtcounseling.co.za/wp-content/uploads/2026/05/Debt-counselling-vs-debt-review-what-is-the-difference.jpg) ](https://vsdebtcounseling.co.za/debt-review-vs-debt-consolidation-whats-the-difference/)

## (https://vsdebtcounseling.co.za/debt-review-vs-debt-consolidation-whats-the-difference/)

The distinction is clear and well-sourced. The core legal difference: debt review is a regulated legal process under the NCA...

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!(https://vsdebtcounseling.co.za/wp-content/uploads/2026/05/Can-They-Repossess-My-House-or-Car-Under-Debt-Review-1024x588.jpg) ](https://vsdebtcounseling.co.za/can-they-repossess-my-house-or-car-under-debt-review/)

## (https://vsdebtcounseling.co.za/can-they-repossess-my-house-or-car-under-debt-review/)

I have the legal mechanism precisely, all attributable to the NCA. The key sections: Section 86(2) read with Section 88(1)...

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!(https://vsdebtcounseling.co.za/wp-content/uploads/2026/05/How-Long-Does-Debt-Review-Take-in-South-Africa-1024x667.jpg) ](https://vsdebtcounseling.co.za/how-long-does-debt-review-take-in-south-africa/)

## (https://vsdebtcounseling.co.za/how-long-does-debt-review-take-in-south-africa/)

Debt review in South Africa typically takes between three and five years to complete. The legal application stage is fast,...

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