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The Debt Solutions Blog
Expert advice on debt review, debt counselling and taking back control of your money in South Africa.
How balloon payments affect debt review in South Africa—what they are, how they’re treated under the NCA, risks, protections, and smart alternatives
Struggling under unmanageable debt? Discover how Debt Review (under the National Credit Act) creates legally-backed repayment plans, smaller monthly payments, and protection from legal action — giving consumers breathing space and a realistic path to becoming debt-free
What Is a Clearance Certificate (Form 19) in Debt Review — and Why You Need One
October 21, 2025
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Learn what a Clearance Certificate (Form 19) in South Africa is, why you need it, and how to get one — paid-up letters, home-loan confirmation, and steps with your debt counsellor
What is Form 17.2 in debt review? Discover what happens when your debt counsellor sends this form, what acceptance or rejection means, and how it affects your repayment plan and legal protection under debt review in South Africa