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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.
Why so many South Africans feel debt is unavoidable, how rising living costs and a credit culture create pressure, and how living within your means and working with an NCR registered Debt Counsellor can help you regain control
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
 in Debt Review and Why You Need One/image.png)
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