Question 1

What is debt review?

Accepted Answer

Debt review is a formal process under the National Credit Act where a registered debt counsellor restructures your debt into one affordable monthly repayment, while you are legally protected from creditor action.

Question 2

Will debt review affect my credit record?

Accepted Answer

While you are under debt review, you can't apply for new credit. Once you complete the programme and obtain a clearance certificate, the listing is removed from your credit profile.

Question 3

How much does ETF Group charge?

Accepted Answer

Our fees are regulated under the National Credit Act and disclosed upfront. We pride ourselves on affordable, transparent pricing — no hidden costs.

Question 4

How long does the process take?

Accepted Answer

Most plans run between 36 and 60 months depending on your debt level. We aim to get you debt-free as quickly as your situation allows.

Question 5

Do I qualify for debt review?

Accepted Answer

If you're employed, struggling to meet your monthly debt repayments, and not yet handed over for legal action on all accounts, you likely qualify. Our consultants confirm in a free assessment.

Question 6

Will my assets be safe?

Accepted Answer

Yes. Once under debt review, your home and vehicle are protected from repossession provided you keep up with the agreed restructured payments.

Question 7

Can you help if I'm already blacklisted?

Accepted Answer

Yes — through credit rescue and credit profile assistance we can review your status, dispute errors and put you on a path to rebuild your profile.

Question 8

Is everything confidential?

Accepted Answer

Absolutely. ETF Group treats every client interaction with strict confidentiality. We never share your information without consent.

Question 9

How fast will you respond?

Accepted Answer

We respond to all enquiries within one business day — often the same day. Use WhatsApp for the fastest reply.

Question 10

Do you only work in Cape Town?

Accepted Answer

Cape Town is our base, but we serve clients across South Africa via phone, email and WhatsApp.

Your questions, answered.