There are a lot of misconceptions, some negative, as to how the Debt Counselling (also known as Debt Review) process truly works. So let’s forget the urban legends and myths, here is the low down on Debt Review explained in 6 easy steps.

Firstly a fact that most SA citizens aren’t aware of is that Debt Counselling receives a lot of support from the Department of Trade & Industry, The National Credit Regulator as well as the Government as the means to assist over-indebted consumers.

So yes! Debt review is looked at as the true answer in assisting over-indebted consumers in our country, as it should be! You can’t lend your way out of debt and that’s a fact!

This is why legislation is investing a lot of interest and resources in ensuring that Debt Review/Counselling is getting the exposure and support that is needed to SA citizens.

Debt Counselling is responsible for the financial relief enjoyed by hundreds of thousands of South Africans nationwide.

Step 1 – Free Debt Assessment

Approach Oyisa United Debt Specialists and you’ll have the Debt Counselling (also known as Debt Review) process fully explained to you.

At OUDS we’ll do a “free” debt assessment, which includes a Credit Bureau check so we don’t miss any of your creditors. We’ll work out your monthly expenses and your debt obligations.

This is how we figure out whether you would benefit from Debt Review (whether you’re over-indebted) and how the reduced debt instalments can help you.

We do this by providing you with a monthly budget – expertly created by our professional Debt Counsellor. Your budget will ensure that you have enough money to pay your debt (so you don’t fall behind again) and cover your living expenses (so your family is taken care of).

Step 2 – Applying for Debt Review

If you are happy with our assessment and the explanation of the Debt Review process; we proceed to the next step. This is when you will fill in the Debt Review Application (known as the Form 16), and officially you will now be applying for Debt Review. From that moment on you are protected from your creditors.

We’ll then proceed to let your creditors and the credit bureaus know that you’ve officially applied for debt review. From this point on though you will not be able to make any further debt, this is because you can’t fix a problem by making it worse.

From the moment your creditors are informed of your application (we legally inform them via letters called 17.1’s) they can’t take any legal action against you.

Step 3 – Repayment plan & Proposal

From this point on there is nothing more we need you to do! Your creditors are now legally obligated by the National Credit Act No: 34 of 2005 to deal with your Debt Counsellor directly NOT YOU. So you go about your business of being…you!

Your DC now takes over your debt worries and steps into the ring working with your creditors directly, so you don’t have to stress about dealing with them anymore! At OUDS we are your sword & shield, we fight for you when you can’t anymore.

We go about this by approaching your creditors on your behalf and negotiating with them for a new reduced repayment plan you can afford. This includes lower instalments as well as interest rates!

We conclude this repayment plan by receiving acceptance letters from all of your creditors confirming the repayment proposal.

By this point their happy, you’re happy, which makes us happy!

Step 4 – Granted Court Order

Now that we have all of the responses from your creditors we take your new repayment plan to court on your behalf. You will not have to appear in court yourself, as your Debt Counsellor we take care of all of the legal requirements, so it’s one less thing for you to worry about.

We do this to make your restructured payment plan a Court Order. Your Court Order is what legally protects you, your car, your house etc… during your Debt Review repayment period. Your court order is a legally binding document for all parties concerned until the last payment on the repayment schedule is made.

In simple terms, the court order ensures that the debtor “you”, is committed to honouring the repayment of your debt now that it is made more manageable, and that your creditors can’t come back and demand more money nor take legal action against you.

The court order sets the repayment structure in stone, full stop the end!

Step 5 – Repaying your debt back with our guidance and support

With one simple instalment made every month is all it took for you to feel relieved and stress free! Your debt is being repaid; all of your assets are protected and your living costs are catered for, welcome back to your normal life.

What’s better is if there are any problems our specialists are there to guide and assist you.

That is the spirit of Oyisa United Debt Specialists, to conquer, overcome and defeat your debt once and for all!

Step 6 – Financial freedom

When all of your debt obligations are settled we’ll issue you with an official Clearance Certificate, advise all of your creditors, the various credit bureaus and the National Credit Regulator that you are indeed finished paying off your debt.

Receiving your Clearance Certificate means a brand new start! Your credit record is now clean, so all information about your debt and Debt Review is erased for good never to be seen again.

It officially means you’ve conquered your debt and able to rise again in freedom!


Debt Counselling/Review has been proven to work time and time again; there are thousands of Clearance Certificates being issued every year and that is a fact.

It has been statistically proven to have a higher success rate than supposed debt consolidation loans, which in South Africa is an alternative name credit providers use to mislead consumers into taking another loan, hence further over-indebting the individual. Credit providers aren’t there to assist consumers to get out of debt; the only way they make a profit is if the consumer is in debt otherwise they wouldn’t make any money.

It also empowers consumers to learn money management, a skill which is desperately lacking in South Africa.

You will truly not find a better method of debt repayment than Debt Review, nor one that legally protects you like a suit of armour like Debt Review does.

Debt Counselling relies heavily on the client’s commitment to honour the repayment structure, and willingness to want to get out of debt. If one is not committed to making a change and helping themselves, then unfortunately the process will fail.

In South Africa it is easier for us to blame a failure on a process than ourselves, and that is a sad truth.

Oyisa United Debt Specialists is committed to assisting consumers struggling to make their debt repayments and facing financial difficulties, to solve their debt problems and empower them to take back control over their financial situation. With over 12 years of specialized experience in the debt & legal field Oyisa United Debt Specialists is committed to assisting South African consumers in financial liberation.

If you are finding yourself in this situation and unsure as to how to proceed



Remember above all else that you are not alone out there. Contact Oyisa United Debt Specialists directly for more information on our effective services.