Attorney-led legal service · Centurion & Cape Town
Remove Debt Review From Your Credit Record
Stuck under debt review? VHT Attorneys handles the complete legal process, court application, NCR verification, and credit bureau update, so you can access credit, apply for jobs, and move forward.
Get Your Free Debt Review Removal Assessment
Complete the form and one of our attorneys will assess your situation within 24–48 hours.
WHY US
Why Clients Choose VHT Attorneys
Proven Track Record
In 2023, we achieved a 100% success rate on debt review removal court applications. Our attorneys handle these matters regularly and know exactly what Magistrates require.
Dedicated Communication
Our Consumer Communication Department sent over 25,000 WhatsApp messages in 2023 alone. You will never be left guessing what is happening with your case.
National Coverage
With offices in Centurion (Gauteng) and Cape Town (Western Cape), we serve clients across South Africa. We attend courts nationally on your behalf.
Johardt and his team’s, expertise and willingness to go the extra mile truly set them apart. I can highly recommend their services to anyone who finds themselves trapped in a similar situation. Thank you again for restoring my peace of mind and helping me get my financial record back on track.
I would just like to thank VHT ATTORNEYS with their help on my case and changing my life forever ! i am forever grateful to your team and helping me clear my name !
Thank you for the awesome service received. Thank you for helping people in the need to breathe again. God Bless
How it works
Our Debt Review Removal Process
VHT Attorneys simplifies this complex process into manageable steps:
Free Case Assessment
Complete our online form or contact us via WhatsApp. An attorney reviews your information , debt review status, outstanding accounts, and financial position, and advises whether you qualify and which route applies.
Document Collection & Application Preparation
We collect your credit reports, debt counsellor file information, proof of income and expenses, and any court orders. Our legal team prepares the court application and supporting affidavit.
Service & Court Filing
The application is served on all creditors, your debt counsellor, and the NCR. Legal notice periods (typically 20 business days) must be observed before the matter is enrolled at court.
Court Hearing
A VHT attorney appears in court on your behalf. You do not attend. The Magistrate considers the application and, if satisfied, grants the order declaring you no longer over-indebted.
NCR Verification & Credit Bureau Update
The court order is submitted to the NCR for verification. Once your DHS status updates to G1, the credit bureaux remove the flag. We follow up to confirm the update and notify you once complete.
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YEARS OF EXPERIENCE
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CLIENTS HELPED EXIT DEBT REVIEW
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JURISDICTIONS WE SERVICE
How do I remove my name from debt review in South Africa?
You need either a clearance certificate from your debt counsellor (if all debts are paid) or a court order from the Magistrate’s Court declaring you no longer over-indebted. VHT Attorneys handles the full legal process — from preparing the court application to ensuring the credit bureaux update your record.
How much does debt review removal cost?
The cost depends on the complexity of your case — whether a court order exists, how many creditors are involved, and whether your debt counsellor cooperates. VHT offers payment plans over 6 months and does not charge for unsuccessful applications. Contact us for a personalised quote.
How long does debt review removal take?
Typically 3–6 months from instruction to credit bureau update. This includes document preparation, legal notice periods (20 business days), court scheduling, and NCR/credit bureau processing. We provide regular updates throughout.
Can I remove debt review if I still owe money?
Yes, in certain circumstances. If no court order has been granted and you can demonstrate you can afford your original contractual payments, you may apply under Section 87(1)(a) of the NCA. You do not need to have settled all debts, but you must show you are no longer over-indebted.
Do I need to go to court personally?
No. Our attorneys attend court on your behalf. You do not need to be present. Your role is to provide the necessary documents and information during the preparation phase.
What if my debt counsellor has closed down?
If you are entitled to a clearance certificate and your debt counsellor refuses or delays, you can apply to the National Consumer Tribunal to order them to issue it. VHT Attorneys can assist with this application.
Can I get credit immediately after removal??
There is no legal waiting period. Once the flag is removed, you may apply for credit. Approval depends on your overall credit profile and affordability at the time of application. We recommend starting with small, manageable credit to rebuild responsibly.
What is the difference between debt removal and completion?
Completion means you paid all debts per the restructured plan and received a clearance certificate — the natural end. Removal typically refers to exiting before all debts are paid, via a court application proving you are no longer over-indebted.
Step one
Do You Qualify for our Debt Review Removal services?
Your eligibility depends on your current financial situation and where you are in the debt review process. You might qualify if:
- You can afford your original monthly instalments
- You have paid off most accounts under review
- Only your home loan remains, and it's up to date
- You were placed under review unconsensually
- Your financial situation has improved
