Thank you for your question.
You can apply for debt review when you are married. Whether you are married COP or ANC. Your debt review will simply be structured according to you marriage contract.
If you are married COP it will be a joint application and all the debt will be thrown into one pool. Your income will also be joined in the calculations and the payment of all your debt will commence jointly through one single instalment. Both of you will be placed under debt review in a joint application.
When you are married out of community of property both parties does not have to go under debt review. But I would advise that both parties’ income is included in the repayment of debt. If there are debts which both signed for, and are therefore both responsible for, then both will have to apply for debt review. No account may be excluded.
Please feel free to send as a mail at [email protected] to discuss your options further.