How long does debt review last?

If you're considering debt review, one of the biggest questions on your mind is probably this: How long does debt review last?

In most cases, the process takes between 36 and 60 months — that’s roughly 3 to 5 years.

But it’s not a fixed timeline. The actual duration depends on your debt, your monthly budget, and how consistently you make payments.

Let’s break it down so it’s easy to understand.

1. How much debt you have

The more debt you owe, the longer it will take to repay it.
If your debt is manageable and not too high, you could complete the process sooner.

2. What you can afford to pay monthly

Your debt counsellor works out a repayment plan based on your budget.
If you can afford to pay more each month, your debt gets paid off faster.
If your budget is tight, it may take longer.

3. The repayment plan negotiated for you

Sandton Debt Counselling negotiates with your creditors to reduce your monthly instalments.
They also aim to lower your interest rates and cancel unnecessary fees.
These changes can help reduce the time you stay under debt review.

4. Making consistent payments

Stick to the payment plan.
Every missed payment can delay the process.
But if you stay consistent, you’ll move steadily towards the finish line.

5. Making extra payments

If you receive a bonus, a tax refund, or any extra income, you can use it to pay off your debt faster.
Speak to your debt counsellor at Sandton Debt Counselling first — they’ll guide you on how to apply those extra funds in the best way.

Once all your debts (except your home loan) are settled, your debt counsellor will issue a clearance certificate.

This is what it does:

• Confirms that all your listed debts are paid up
• Removes the debt review flag from your credit record
• Clears negative information linked to those debts within 21 business days

It’s like a fresh start for your credit profile.
Much quicker than waiting the usual five years for bad credit data to fall off your record.

Choosing the right company is key.
SDC is experienced, professional, and committed to helping clients get out of debt the right way.
Here’s what they offer:

✅ Immediate Payment Relief

As soon as you apply and sign Form 16, your monthly repayments are reduced.

✅ Legal Protection

Once you’re under debt review and making payments, creditors can’t take legal action against you.

✅ Keep Your Assets

Your car and your home stay safe.
No repossession if you stick to the payment plan.

✅ Lower Monthly Payments

Your monthly debt payments are reduced so they’re affordable based on your budget.

✅ Lower Interest Rates

Sandton Debt Counselling negotiates reduced interest rates — saving you thousands over time.

✅ Clean Credit Record After Completion

Once you receive your clearance certificate, your credit profile is cleaned up.
All negative data tied to your debt review is removed — fast.

Can I finish debt review earlier than 3 years?
Yes. If you can afford to pay more than the minimum, or make lump sum payments, you can complete debt review faster.

What if I miss a monthly payment?
Missing payments can delay the process and may allow creditors to take legal action again. Always notify your counsellor if something changes.

Will I be able to apply for credit during debt review?
No. While under debt review, you can’t take out new credit until you’ve completed the process and received your clearance certificate.

Is my home loan included in debt review?
It can be. Some people choose to include it, others don’t. Your debt counsellor will help decide what’s best for your situation.

How quickly is my credit record restored after debt review?
Once your clearance certificate is issued, credit bureaus remove your debt review status and related negative info within 21 business days.

Will people know I'm under debt review?
No. It’s private. Only your creditors and the credit bureaus will have access to that information.

What if I lose my job during debt review?
Contact Sandton Debt Counselling immediately. They’ll help you adjust your payment plan and avoid further issues.

It depends on your debt and how serious you are about clearing it.
But with a solid plan and the help of SDC, many people finish in 3 to 5 years — sometimes even sooner.

If you’re ready to take control of your finances, debt review is a smart and structured way to get there.
You’re not alone. You’ve got support every step of the way.