What Debt Review Removal Costs

Ask five providers what debt review removal costs and you will get five answers plus two scams. The honest answer is that price follows route - there are exactly two lawful ones - so here is the breakdown that lets you budget with open eyes.

Route One: The Paid-Up Path

Restructured debts settled (a healthy home loan aside)? You qualify for the clearance certificate - Form 19 - from a registered debt counsellor, and the bureaus must drop your flag once it lands, typically inside 21 business days. Certificate issue often falls within the counsellor's existing mandate, though admin charges are routine; a professionally managed paid-up removal generally prices in the low thousands of rands. Details on the certificate page.

Route Two: The Court Path

Never declared over-indebted by a court, or provably recovered? Rescission via court application is your exit - pricier, because attorneys and court time enter the bill. Industry fees commonly run from roughly R3 000 to beyond R8 000, climbing where complexity does: community-of-property marriages, for instance, flag both spouses and double the untangling.

What a Legitimate Fee Buys

Qualification verification, the certificate or court order, lodgement at all four bureaus, and - the chronically skipped step - confirmation that every bureau actually updated. Our removal service covers that full chain.

Pricing Red Flags

"Free removal" (impossible - costs always exist). "Overnight deletion" (unlawful - removal requires qualification). "Remove it while you still owe" (a scam or a crime, pick one). Cheap lies cost the most.

Unsure which route is yours? Check your status first, then apply for an honest assessment.