The SMS that changes everything.
Debt review removal + credit score rebuilding.
Done properly. Through the courts.
- Court-approved removal — handled end-to-end by our accredited specialist team
- Credit score rebuild plan after your clearance certificate is issued
- An honest answer up front on whether you qualify today
Assessment required. Outcomes depend on your legal and credit profile.
See if you qualify to be cleared
A ClearZA specialist will call you back.
What is your current debt-review status?
We'll tailor your assessment based on where you are right now.
Why People Want Out
You did the responsible thing by entering debt review. Now you're ready to write the next chapter.
Exiting debt review is a legal process. It needs a registered counsellor, the correct paperwork, and either a court order or an NCT decision. ClearZA handles all of it on your behalf.
Your accounts are settled but your credit profile still shows debt review.
Your previous counsellor has gone quiet and your clearance certificate is stuck.
Your income has recovered and you can comfortably manage your accounts again.
Life has changed — debt review is no longer the tool you need.
The Clearance Process
Three clear steps to legally walk out of debt review.
Free eligibility check
Answer 5 short questions. We confirm in writing whether you qualify to exit debt review based on your court order or NCT position.
Your file is reviewed
A registered ClearZA counsellor examines your accounts, payment history and order, then drafts the correct removal application for your situation.
Cleared and credit restored
We file the application, obtain your clearance certificate and notify the credit bureaus so your status updates and credit access returns.
South Africans who started at their lowest point — and walked out with their clearance certificate.
Reviewed 3 weeks ago
"Bond shortfall plus two clothing accounts had me drowning. The team built one affordable plan and my salary finally lasts the whole month."
Reviewed 1 month ago
"I was honestly scared to phone. Within a week the harassing calls stopped and I knew exactly where I stood."
Reviewed 3 months ago
"My husband and I were juggling eight different debits. ClearZA pulled it into one figure we can actually afford each month."
Reviewed 2 weeks ago
"What sold me was the honesty. They told me what I would pay before I signed anything — no hidden surprises later."
Reviewed 1 week ago
"Three years of consistent payments and I just received my clearance letter. I never had to phone to chase progress."
Reviewed 2 months ago
"Personal loan, vehicle finance and a few cards — now one debit order I can plan around. Best decision I made this year."
Reviewed 2 weeks ago
"Straight answers every time I call. That alone is worth a lot."
Reviewed 4 weeks ago
"Three retail accounts that kept renewing on me — gone into one manageable monthly amount. Wish I had reached out sooner."
Reviewed 5 days ago
"I avoided dealing with it for nearly two years. Picking up the phone to ClearZA was the moment things actually changed."
Reviewed 1 month ago
"Patient, professional and they never made me feel judged."
Honest Assessment
Exiting debt review isn't right for everyone. Here's how ClearZA tells the difference.
Clearance is likely the right move if:
- You've settled your accounts and want your name cleared on the bureaus.
- You can comfortably afford your monthly accounts again.
- Your circumstances changed and you need legitimate access to credit.
- Your current counsellor is unresponsive or no longer managing your file.
It's better to stay under debt review if:
- ✕ You're still genuinely struggling to meet your monthly accounts.
- ✕ You haven't made any payments under your current debt-review plan yet.
- ✕ You signed up less than 60 days ago and no court order has been issued.
Every extra month under debt review is another month creditors can see it on your record.
Court rolls and NCT timelines aren't getting any shorter. The sooner your file is reviewed and submitted, the sooner your clearance certificate is issued and the bureaus are updated.
ClearZA is currently seeing applications complete in 6–12 weeks. Starting today can clear your name months earlier than waiting.
Start My Free Assessment →Frequently Asked
Everything you might be wondering about debt-review removal.
The SMS that changes everything.
Debt review removal + credit score rebuilding.
Done properly. Through the courts.
Start My Free Assessment →Court-approved process • POPIA compliant • No obligation