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What is Debt Review?
Debt review ⁄ Debt Restructuring is the legal process, which offers legal protection to consumers and in which debt obligations are restructured. Debt Review can only be conducted by a qualified Debt Counsellor who has been registered with the National Credit Regulator (NCR). Consumers qualify for Debt Review if they are Over-indebted.

What is Over-indebtedness? ⁄ Who qualifies?

Total monthly Income less total monthly Living Expenses equals Amount available for Debt. (MI-MLE=AAD). If a consumer’s monthly debt repayments exceed the Amount that is Available for Debt, then that consumer is Over-indebted. Therefore, if a consumer is struggling to make his/her monthly debt repayments, he/she is most likely Over-indebted.