Understand the decision before you make it.

How debt review works

What happens from your first questions through to final clearance.

Check your debt pressure

A simple check using rounded monthly household figures.

Fees explained

Understand the regulated service categories and what to ask.

Protecting a home and car

Timing, continued payment and existing legal action explained.

Form 19 clearance

Paid-up letters, clearance certificates and bureau updates.

Verify your counsellor

Why a real name, active NCRDC registration and physical accountability matter.

Prepare for your first debt counselling conversation

Organise income, essential expenses, account information and questions before speaking to a counsellor.

Questions to ask about debt counselling fees

Record what each service costs, when it is collected and how payments are allocated before deciding to apply.

Seven questions before signing Form 16

Understand the application, fees, responsibilities and next steps before signing a formal debt-review application.

Debt review and debt consolidation: understand the difference

Compare a regulated restructuring process with taking a new loan, and ask which options fit your circumstances.

Can I change debt counsellors?

What to ask about the handover, existing records, fees and payment arrangements.

When your payment no longer fits

Prepare an update for your counsellor and understand why a new budget does not change an existing payment order.

Payment proof and statement do not match?

Compare the account, dates and recorded entries, then prepare one precise reconciliation question.

Prepare a precise credit-report dispute

Identify the exact entry, keep dated supporting records and retain the bureau’s reference.