Debt Review

Debt Review enables you to legally restructure your debts by a combination of term extensions and/or interest rate reductions.

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Debt Review is dependent on you being over indebted – the inability to repay your debts in a timely manner (or even the expectation of being unable to repay your debts in a timely manner). We will assess your financial situation with you, restructure living expenses where needed and then use the remaining funds on your budget to restructure your debt.

Debt review fees are regulated by the National Credit Regulator. There is a once off restructuring fee (the lesser of your total restructured payment or R8000). The good news is that payment to creditors is suspended during the first 90 days of the process, and used to settle your debt restructuring fee. Then there is a monthly aftercare fee, which is the lesser of 5% or R500 of the monthly debt repayment.

An important implication of debt review is that for the duration of the process, you will not be able to take on new credit (there are some exceptions). This is to ensure that your debt burden does not increase and that you eventually become debt free.


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Shipping is the sole responsibility of the selling Vendor. VIRTUAL does not offer ANY logistics support to either the Vendor or the Customer. Please refer to our site Terms & Conditions should you require further information.

Refund Policy

Refunds can only be requested within the first 5 days after purchase and must be made in writing (email), providing the Vendor's Terms & Conditions have been adhered to. Initial requests must be made directly to the Vendor. VIRTUAL will only mediate should the Customer & Vendor not reach a mutually acceptable agreement within 7 days of the initial purchase.

Cancellation / Return / Exchange Policy

  1. Debt review is a legal process and acceptance is dependent on being declared over indebted.
  2. Debt review is not the appropriate solution for every financial situation. There are other legal remedies available where debt review is not appropriate.
  3. Fee are regulated by the National Credit Regulator.

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