Two legal pathways. One goal: financial freedom.

Immediate relief when monthly debt is overwhelming, or a structured route to clear your record when you are ready to move forward.

01 — DEBT REVIEW & COUNSELLING

Lower Your Payments. Stop the Stress.

A structured plan for immediate financial breathing room.

Debt review is a regulated legal process under the National Credit Act. If you are struggling to meet your monthly debt obligations and feel overwhelmed by collection calls, Debt Free Direct's registered Debt Counsellors can assess your position and negotiate a more manageable repayment structure with your credit providers.

The aim is to consolidate your debt into one affordable monthly payment while giving you legal protection through the process, provided you maintain your agreed repayments.

One Affordable PaymentMonthly debt instalments may be reduced by up to 60%, depending on your assessment and approved restructuring.

Legal Asset ProtectionDebt review can protect against further enforcement while you remain compliant with the agreed process.

Lower Interest RatesYour debt counsellor negotiates with lenders to seek lower interest rates and reduced debt pressure.

No More Creditor HarassmentYour debt counsellor becomes the structured point of contact with creditors during the process.

Financial RehabilitationRegain control of your finances and work toward restoring your creditworthiness.

The 3-step process

Free Assessment

We securely review your income, expenses and total debt to calculate what a sustainable monthly plan could look like.

Legal Restructuring

Your registered Debt Counsellor creates a new payment plan and submits it to your credit providers and the court for approval.

Peaceful Repayment

You make one affordable monthly payment to a registered Payment Distribution Agency, which distributes the funds to your lenders.

02 — DEBT REVIEW REMOVAL & CLEARANCE

Clear Your Name. Rebuild Your Credit.

A clean-slate process for your financial future.

Once you have settled your debts—or where debt review was applied incorrectly—the clearance team can handle the paperwork required to remove the debt review indicator, update the credit bureaus and legally clear your profile.

Remove the Debt Review FlagWork through the formal process to remove the credit-bureau indicator that prevents access to new credit.

Clearance Certificate (Form 19)Your official clearance certificate can be issued once the qualifying debts are fully settled.

Credit Score RebirthOnce the flag is removed, your credit profile can begin recovering as you rebuild a clean financial record.

Rescission OrdersIf you were placed under review incorrectly or without proper consent, the legal team can assess whether a court process is required.

The 3-step process

Paid-Up Review

We contact your past credit providers to collect paid-up letters proving that the relevant debts are settled.

Certificate Issuing

Your Form 19 Clearance Certificate is prepared and transmitted to the relevant credit bureaus.

Profile Update

The respective bureaus are instructed to update your profile, with the brief allowing up to 21 business days for the debt-review flag to be removed.

Not sure which path applies to you?

That is exactly what the free assessment is for. Tell us where you are now, and we will explain the route that fits your profile.

Get My Free, No-Obligation Assessment

No obligation to proceed after the assessment.