How debt review works
What happens from your first questions through to final clearance.
Read guide →Home · Resources
Plain-language guidanceUnderstand the decision before you make it.
These guides cover the questions that matter most when income no longer stretches to every obligation.
Check your debt pressure
A simple check using rounded monthly household figures.
Use tool →Fees explained
Understand the regulated service categories and what to ask.
Read guide →Protecting a home and car
Timing, continued payment and existing legal action explained.
Read guide →Form 19 clearance
Paid-up letters, clearance certificates and bureau updates.
Read guide →Verify your counsellor
Why a real name, active NCRDC registration and physical accountability matter.
Meet Willem →