Only if your debt is fully paid or declared reckless or has prescribed. A registered debt counsellor must issue a clearance certificate to remove you from debt review. At Meerkat, we have registered debt counsellors who can legally remove you from the debt review process online, for only R2500. *Ts & Cs apply.
How to Get Out of Debt Review Online Quickly in South Africa
To get out of debt review online, follow these important steps.
Before you can get out of debt review, you must have settled all your debt as listed under the process. This excludes accounts like your bond (home loan), provided these were not in arrears when you entered debt review.
The only other way is for a lawyer to prove that you are no longer over-indebted. This can only happen if your financial situation has drastically changed. The lawyer will need to go to court on your behalf.
Once your debts are fully paid, your debt counsellor must issue you with a clearance certificate. This document confirms that all obligations under debt review have been settled. It's important to note that only an NCR registered Debt Counsellor is legally able to issue you with a debt review clearance certificate.
After receiving your clearance certificate, your debt counsellor must notify credit bureaus to update your status. The “under debt review” flag will then be removed from your credit profile and you will be free to start applying for credit again!
In short, to get off debt review or cancel the debt review process, you must have paid up all your debt, you must obtain a debt review clearance certificate, and a registered debt counsellor must notify credit bureaus to update your status.
Have you paid up all your debt under the debt review process, but still have a debt review flag on your credit report? Can't get into contact with your debt counsellor? We can get it removed in just 10 days. Start your online application now!
If you have all your paid-up letters from your creditors, it will cost you R2500 at Meerkat to cancel a debt review in South Africa.
The NCR doesn't remove you from debt review, technically, an NCR-registered debt counsellor removes you. At Meerkat, we have NCR registered debt counsellors.
You can only cancel your debt review status if you've paid up all your debt according to your debt review repayment plan. If you have, Meerkat can cancel your debt review status for you.
No, you unfortunately can't take a break from debt review. If you miss a debt review payment, you are not maintaining your court order which means creditors may start the legal process for obtaining your debt.
Find out what happens if you stop paying debt review in this blog post.
Free debt review removal does not exist and debt review cannot just be written off. There will either be lawyers fees or fees of a debt counsellor involved. Do not fall for scams that promise free debt review removal.
Read this blog post about lawyers who remove debt review.
When it comes to debt review removal companies, Meerkat is the best. Not just because we say so, but because our clients do too.
"Wow! great job indeed, the turnaround time was amazing, I did not expect to have received the clearance certificate in less than a month. Excellent work indeed...!!" - Mishack M on Hellopeter.
Look at our other reviews on Hellopeter here.
Yes, you can exit debt review but only if all your debts are fully paid up.
You need a registered debt counsellor to issue a clearance certificate.
Once you have the certificate, your status must be updated at all credit bureaus.
Don’t get scammed removal is only legal when your debt is cleared.
Meerkat can check your status and help with removal if you're eligible.
You can remove debt review online with Meerkat's easy online process:
Watch this interview with Founder and CEO of Meerkat, David O'Brien, for more information about the debt review removal process at Meerkat
The entire process of getting cleared from debt review can be completed online, saving you time and money.
If you’ve completed the debt review process and paid all your debts in full, you can get the debt review flag removed from your credit report in just 10 days.
No, you can't leave the debt review process early. You can only leave the debt review process if you have paid up all your debt according to the debt review repayment plan.
It's very important to note that once you've applied for debt review, you must complete the process to exit it. In 2022, the National Credit Regulator (NCR) changed its rules. According to the National Credit Act (NCA), a consumer cannot just voluntarily withdraw from the debt review process if a court order has been granted. This rule applies even before you are declared over-indebted.
If you want to be removed from the process you can pay up your debt review faster by speaking to your Debt Counsellor and arranging to increase your monthly payments.
>> Read this blog post to find out what happens if you don't pay debt review.
There is no cancellation letter you can write for debt review that will cancel the process for you. You need a registered debt counselor to act on your behalf. Once you have entered the debt review process, you can't just simply cancel the debt review process.
Yes, you can get a loan after being removed from debt review. We would advise slowly taking on credit again.
It's only possible to remove debt review once all debts are fully paid, except for unaffected accounts like home loans that weren't in arrears.
You need a clearance certificate, issued by an NCR‑registered debt counsellor, confirming all debts are settled.
The counsellor then notifies credit bureaus to remove the “under debt review” flag from your credit report.
Meerkat charges R2,500 to handle this process online (requires paid‑up letters; higher fees if you don’t have them).
Once you’ve settled, Meerkat can clear your record in 10 days.
You can’t exit debt review early or take a break mid-process—only lawful exit is via full repayment.
MyMeerkat FSP is an authorised financial services provider (FSP 50979). Registered Debt Counsellor NCRDC 2613. We partner with a reputable payment distribution agency - Hyphen PDA. And, we've successfully helped thousands of South Africans legally exit the debt review process! We can help you, too.
We’ve helped thousands of South Africans exit safely legally, affordably, and fast. We're ready to help you too!