During this process, your monthly debt repayments are not only combined into one instalment but also drastically reduced so that you can pay your debt as well as your essential living costs like food, children’s’ school fees, commute to your work etc.

At the end of the process, you will receive a Clearance Certificate that will require your creditors and the credit bureaus to remove any information of the debt review and your previous unpaid debts from their systems – leaving you with a healthy credit rating.