What one must keep in mind is that debt review not only aims to get you debt free, but also to get you “rehabilitated” into the credit market again.
“Rehabilitation” is achieved once you’ve brought all arrears up to date and are able to satisfy all your credit agreements according to the original contractual rates. This includes the original interest rate, the original instalment amount etc. Or when your debt has been settled. Should you exit the debt review prematurely, without reaching the point of “rehabilitation”, a clearance certificate cannot be issued.
I can almost guarantee you that your credit providers will litigate the moment you exit the debt review process. I would advise that you first bring the credit card and vehicle up to date before exiting the debt review process.
Have a great day.