Debt review is a legal process designed to help over-indebted consumers repay their debts in a manageable way. It involves negotiating with creditors to reduce monthly payments and protect you from legal action.

The duration of debt review varies depending on your financial situation and the amount of debt. It typically lasts until all your debts are fully repaid, but you may exit the process earlier if you qualify for a clearance certificate.

No, you cannot apply for new credit while under debt review. This restriction is in place to help you focus on repaying your existing debts.

To exit debt review, you need to pay off all your restructured debts and obtain a clearance certificate from a registered debt counsellor like Bernidene Thieroff. This certificate confirms that your debts are settled.  

  The costs can vary depending on your individual situation. We offer a free initial consultation to discuss your options and provide a clear understanding of any fees involved.

  A clearance certificate is an official document issued by your debt counsellor, confirming that all your restructured debts have been paid in full. It is necessary to remove the debt review status from your credit record.

No, debt review is a legal process, and it cannot be terminated without paying off all your restructured debts. Attempting to exit debt review prematurely can lead to legal complications.  

  CS Debt Counseling, led by Bernidene Thieroff, offers expert guidance through the debt review and removal process. We provide personalized, legal, and transparent support to help you achieve financial freedom.

Simply contact us via our website or call us directly to book a free consultation. We'll assess your situation and guide you on the best steps to take.  

  Yes, once you enter into debt review, it becomes a legally binding process. This means that both you and your creditors must adhere to the agreed-upon repayment plan.

Missing a payment can jeopardize your protection under debt review. Creditors may take legal action, and your debt review status could be terminated. It’s crucial to stay on track with your payments.  

Reinstating a canceled debt review can be complex and is not guaranteed. It’s important to consult with a registered debt counsellor to explore your options.