Know the Difference between Debt Counselling and Debt Review? | Which is better?

Is it the same or just another confusing legal term for you? In this article were going to explore the differences between Debt Counselling and Debt Review. Because the next time somebody asks you will know the answer and seem like the most intelligent person in the room.

Feeling overwhelmed by debt? 

You’re not alone—and understanding your options is the first step toward financial freedom. Two terms often used interchangeably are 'debt counselling' and 'debt review'. While they’re closely connected, they’re not quite the same. Let’s break it down.
🧠 What Is Debt Counselling?
Debt counselling is the service provided by an NCR-registered professional who helps you assess your financial situation. If you’re over-indebted, the counsellor will guide you through the process of restructuring your debt and negotiating with creditors.

Key Features of Debt Counselling:

• Confidential financial assessment
• Expert advice on managing debt
• Guidance on legal protection options
• No upfront legal obligations and/orfees

Think of debt counselling as the doorway—it’s where your journey to debt relief begins.
📜 What Is Debt Review?
Debt review is the formal legal process that follows debt counselling. Once your counsellor confirms you’re over-indebted, you’re placed under debt review. This means your debts are consolidated into one affordable monthly payment, and you’re protected from legal action by creditors.

Key Features of Debt Review:

• Court-approved repayment plan
• Legal protection from asset repossession
• Creditors must stop harassment
• Access to credit is paused during the process

Debt review is the structured path forward—it’s where your financial recovery takes shape.
💬 Final Thoughts
If you’re struggling to keep up with payments, receiving legal notices, or feeling anxious about your financial future, debt counselling is your first step. From there, debt review offers the legal structure and protection to help you rebuild.

At CureDebt, we combine empathy with expertise—guiding you through both stages with clarity, confidentiality, and care.

We at CureDebt sourced the best legal minds in the country to assist our client in this endeavour.  We have established Debt Solutions Specialists on board that work hand in hand with us to ensure success and stop debt. We can help free you from the debt trap!

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CureDebt your ONE-STOP-SHOP FOR DEBT RELIEF SOLUTIONS and debt rehabilitation in South Africa. If we cannot help you no one can.

You shouldn’t have to bear the burden of over-indebtedness just because of circumstances beyond your control. And even if there were some mistakes along the way, remember, it’s okay to let go of that guilt! You deserve to move forward without punishing yourself for the past. It's time to level up and embrace a debt-free lifestyle! Let's make it happen today!

Just a quick phone call, and one of our amazing Debt Relief Experts will be there to answer all your questions! Just a little reminder that advice is totally FREE!