Legal debt review exit assistance

Still flagged under debt review?

Find out whether you may qualify to have the debt review status legally removed from your credit profile. We assess your circumstances, explain your available options and assist you through the appropriate process.

  • Check whether you may qualify
  • Understand what documents are required
  • Get support throughout the legal process
Free assessment • Takes less than 2 minutes • No obligation
Every matter is assessed individually. No legal outcome or finance approval is guaranteed.
Free assessment Step 1 of 6
Are you currently under debt review?
Just so your consultant knows where to start.
Have all your debts been paid?
The route can depend on whether accounts have been settled.
Has a debt-review court order been granted?
This determines which legal exit route is available.
Are you currently employed?
Helps assess affordability.
What is your monthly income range?
A range is enough — no exact figure required.
Almost done. Where should we contact you?
A Thrive consultant will contact you to verify your status.

Assessment received.

One of our consultants will contact you to verify your status and explain the available options.

Qualification

You may qualify if…

These are the four most common situations where a legal debt review exit may be possible. If any of them describe you, complete the assessment above.

Your circumstances have improved

You are earning enough to resume normal contractual repayments.

You are no longer over-indebted

Your current income and expenses show that debt review may no longer be necessary.

Your process was never completed

You may have been placed under debt review but no final restructuring order was granted.

Your debts have been settled

You may require assistance obtaining clearance and updating the credit bureaus.

Important: Not everyone can legally exit debt review. Your situation must first be assessed.

The route may depend on whether debts have been settled, whether a court order exists, and whether the consumer can demonstrate that they are no longer over-indebted.

Sound familiar?

Debt review may be holding you back.

These are the everyday frustrations we hear from people who are still flagged under debt review. If any of them describe you, you're not alone.

The first step is finding out exactly where you stand.

Check My Status
The legal process

How the process actually works.

Five clear steps. No shortcuts, no false promises — just the correct process, explained honestly.

1

Complete your assessment

We collect the basic information required to understand your debt-review status.

2

Your matter is evaluated

Your credit profile, affordability and legal position are reviewed to determine which route may be available.

3

Receive your recommended next step

A consultant explains whether you may qualify and which documents or legal steps will be required.

4

The legal process begins

Where applicable, the necessary documents are prepared and the matter proceeds through the relevant legal process.

5

Credit records are updated

Once the applicable legal or clearance process has been completed, the relevant parties are notified so that your records can be updated.

Why choose us

Hundreds of South Africans assisted.

TM
Thabo M. March 2026
Google
★★★★★

"Consultant explained exactly what documents I needed and walked me through the court process. First time anyone gave me a clear picture."

NP
Nadia P. April 2026
HelloPeter
★★★★★

"I had paid up my accounts but was still flagged. They helped me get a clearance certificate and update the bureaus. Very professional."

SM
Sipho M. May 2026
Google
★★★★★

"They were honest about what could and couldn't be done. I appreciated the transparency and eventually the court order came through."

Fees are explained after your assessment.

The fee depends on the route required for your specific matter. Everything is disclosed before you commit to anything.

Common questions

Frequently asked questions.

Can everyone exit debt review?

No. Your circumstances, outstanding accounts and legal status must first be assessed.

Do I need to settle all my debts?

Not necessarily in every scenario. The available route depends on your circumstances and whether a debt-review court order exists.

Is the outcome guaranteed?

No. Legal outcomes cannot be guaranteed. Your matter is assessed individually.

How long does the process take?

Timeframes depend on document availability, the applicable legal route, court scheduling and third-party updates.

Will my credit score increase immediately?

Removal of the debt-review indicator does not automatically create a high credit score. Your broader repayment history and credit profile will continue to influence your score.

Can you assist me anywhere in South Africa?

Yes. Assistance is provided remotely across South Africa.

Take the first step towards exiting debt review.

Complete the assessment and find out which options may be available to you.

Check If I Qualify
Takes less than 2 minutes • No obligation • Your information is kept confidential
Check If I Qualify