Choosing the right debt counsellor can make or break your financial recovery. Before
you sign anything, make sure you ask these important questions.

1. Are You Registered with the National Credit Regulator (NCR)?

Only NCR-registered debt counsellors are legally allowed to provide debt review
services in South Africa.

2. What Are Your Fees?

All legal and administrative fees should be transparent and capped as per NCR
guidelines.

3. Will I Have a Dedicated Relationship Manager?

Companies like Debt Rescue, Skuldhulp, and Instalment Busters assign each client
a personal manager who handles their case from start to finish.

4. How Long Does the Process Take?

Debt review can last anywhere from 36 to 60 months depending on your debt level
and repayment capacity.

5. Will I Lose My House or Car?

No, debt review protects your assets as long as you comply with your repayment
plan.

6. What Happens if My Circumstances Change?

Ask whether your repayment plan can be adjusted if your income changes.

7. Can I Apply for Credit During Debt Review?

No. You cannot take on new credit until you’ve completed the process and received
your clearance certificate.

8. How Often Will I Receive Progress Updates?

Ensure the company provides regular updates and clear communication.

9. What Happens After I Complete Debt Review?

Ask about post-clearance support and how to rebuild your credit record.

10. What Do Past Clients Say?

Look for independent Google reviews and testimonials before signing.

Conclusion

Asking these questions will help you find a trustworthy, transparent, and client-
focused counsellor who can guide you safely through debt review.