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Frequently asked questions

Clear, honest answers without the clutter.

Find answers to common questions about managing, reducing and removing debt review in South Africa.

General Questions

Debt Free Direct is a South African financial services business focused on lowering debt payments through Debt Review and helping clients clear their names through Debt Review Removal. The company states that it is registered with the National Credit Regulator.

Yes. Debt Free Direct states that client privacy is protected and personal information is handled in line with POPIA privacy requirements.

Section 1: Debt Review (Debt Counselling)

Once you are officially under debt review, the process provides legal protection. As long as you maintain the new agreed monthly payments, the debt-review process is intended to protect your assets from repossession by participating credit providers.

The process is private between you, your debt counsellor, credit providers and credit bureaus. The brief notes that it does not ordinarily appear on employment background checks, except where a role in the financial sector specifically requires a credit check.

The timeline depends on how much you owe and what you can afford each month. Debt Free Direct's brief says most clients complete the process within 36 to 60 months, and that clients may pay extra or settle accounts sooner without penalties.

No. While under debt review you cannot take out new credit. The restriction is intended to prevent further borrowing while your existing debt is being restructured and repaid.

Section 2: Debt Review Removal (Clearance)

The brief identifies two situations: where qualifying unsecured debts and vehicle finance are fully paid with only a home loan left, or where a court process can establish that debt review was applied incorrectly or without proper consent.

Once the required paid-up letters and clearance documentation are in place, the brief allows up to 21 business days for the credit bureaus to update their systems.

Once the Form 19 Clearance Certificate is processed and your profile is updated, you may apply for home or vehicle finance again, subject to the lender's normal income, affordability and credit requirements.

Debt Free Direct describes its removal process as a legal process following National Credit Act guidelines and working through the required credit-bureau and, where applicable, court procedures.
How much does it cost?

Our Fee Transparency Policy

Debt Free Direct's brief commits to no hidden costs, full disclosure and adherence to South African laws.

Debt Review Fees

You do not need upfront cash out of pocket to start the Debt Review process. The brief states that debt counselling fees are set and capped by the NCR, with setup and legal fees built into the restructuring plan.

  • ✓Regulated fee structure
  • ✓Built into the payment plan
  • ✓Designed to avoid extra day-to-day strain

Debt Review Removal Fees

Removal pricing depends on your credit profile, the paperwork required and whether a legal rescission process is needed.

  • ✓Free initial assessment
  • ✓Tailored pricing for your case
  • ✓Flexible two- or three-month payment options
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