{"id":20,"date":"2019-04-02T02:36:18","date_gmt":"2019-04-02T02:36:18","guid":{"rendered":"https:\/\/www.lcdebtcounselling.co.za\/?page_id=20"},"modified":"2026-01-26T18:25:15","modified_gmt":"2026-01-26T18:25:15","slug":"faq","status":"publish","type":"page","link":"https:\/\/www.lcdebtcounselling.co.za\/?page_id=20","title":{"rendered":"FAQ"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"20\" class=\"elementor elementor-20\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4a3bd8a elementor-section-content-middle elementor-reverse-tablet elementor-reverse-mobile elementor-section-height-full elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"4a3bd8a\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0c90397\" data-id=\"0c90397\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b8e76a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b8e76a6\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9f05ec8\" data-id=\"9f05ec8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a0c314f elementor-widget elementor-widget-spacer\" data-id=\"a0c314f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbd951f elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"dbd951f\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a65c301 elementor-widget elementor-widget-text-editor\" data-id=\"a65c301\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Frequently Asked Questions<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4263ab1 elementor-widget elementor-widget-spacer\" data-id=\"4263ab1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c53caf elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"3c53caf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Debt Counselling and Debt Review<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b55ced elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b55ced\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2cd3d3c\" data-id=\"2cd3d3c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e4ace42 elementor-widget elementor-widget-spacer\" data-id=\"e4ace42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fbc87e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fbc87e8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-419b254\" data-id=\"419b254\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a78ac94 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a78ac94\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9739857\" data-id=\"9739857\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-91664b3 elementor-widget elementor-widget-heading\" data-id=\"91664b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What is debt counselling?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32a5a47 elementor-widget elementor-widget-text-editor\" data-id=\"32a5a47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"557\" data-end=\"967\">Debt counselling is a formal debt relief solution provided for in the <strong data-start=\"627\" data-end=\"650\">National Credit Act<\/strong>. It is designed to help over indebted South Africans who are struggling to meet their monthly debt obligations. Through this regulated process, a registered debt counsellor provides budgeting guidance, negotiates reduced instalments with credit providers, and restructures debt into a more affordable repayment plan.<\/p><p data-start=\"969\" data-end=\"1199\">Debt counselling is not a savings scheme. Consumers should be cautious of claims that they will save a large percentage of their income. The goal of debt counselling is affordability, financial stability, and long term protection.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0963030 elementor-widget elementor-widget-spacer\" data-id=\"0963030\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5075b94 elementor-widget elementor-widget-heading\" data-id=\"5075b94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Is debt counselling the same as debt review?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ceeff2 elementor-widget elementor-widget-text-editor\" data-id=\"3ceeff2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"557\" data-end=\"967\">Yes. The terms debt counselling and debt review refer to the same legal process.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcfbbfe elementor-widget elementor-widget-spacer\" data-id=\"bcfbbfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-306a2d1 elementor-widget elementor-widget-heading\" data-id=\"306a2d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Who qualifies for debt counselling?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11bd4c2 elementor-widget elementor-widget-text-editor\" data-id=\"11bd4c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1390\" data-end=\"1610\">Any consumer who is over indebted or likely to become over indebted may apply for debt counselling. This includes individuals who are struggling to meet monthly payments or who expect their financial situation to worsen.<\/p><p data-start=\"1612\" data-end=\"1864\">A consumer may approach a debt counsellor directly or be referred by a creditor, the magistrates court, or the National Credit Regulator. To qualify, the consumer must have a stable income that can be used to offer reduced payments to credit providers.<\/p><p data-start=\"1866\" data-end=\"1927\">The choice of debt counsellor always rests with the consumer.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-31c0d3e elementor-widget elementor-widget-spacer\" data-id=\"31c0d3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e6c9b2 elementor-widget elementor-widget-heading\" data-id=\"4e6c9b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Must debt counsellors be registered?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-525f8bc elementor-widget elementor-widget-text-editor\" data-id=\"525f8bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1390\" data-end=\"1610\">Yes. All debt counsellors must be registered with the <strong data-start=\"2033\" data-end=\"2068\">National Credit Regulator (NCR)<\/strong>.<br data-start=\"2069\" data-end=\"2072\" \/>You can verify the registration of any debt counsellor on the NCR website under the Debt Counselling section.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-334bc3e elementor-widget elementor-widget-spacer\" data-id=\"334bc3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4dcc175 elementor-widget elementor-widget-heading\" data-id=\"4dcc175\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Can I apply for debt counselling while under Administration?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-556b224 elementor-widget elementor-widget-text-editor\" data-id=\"556b224\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1390\" data-end=\"1610\">No. An administration order must first be rescinded by the magistrates court that granted it before you can apply for debt counselling.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a6fe7c elementor-widget elementor-widget-spacer\" data-id=\"7a6fe7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-137f320 elementor-widget elementor-widget-heading\" data-id=\"137f320\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What if I was placed under debt counselling without my consent?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f64d9ec elementor-widget elementor-widget-text-editor\" data-id=\"f64d9ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1390\" data-end=\"1610\">If you believe you were placed under debt review without your consent, you should lodge a complaint with the <strong data-start=\"2580\" data-end=\"2609\">National Credit Regulator<\/strong>. The NCR will investigate the matter and provide guidance on next steps.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17cb4ef elementor-widget elementor-widget-spacer\" data-id=\"17cb4ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03200cd elementor-widget elementor-widget-heading\" data-id=\"03200cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Can I apply for debt counselling without my spouse\u2019s consent?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ad347f elementor-widget elementor-widget-text-editor\" data-id=\"2ad347f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2759\" data-end=\"2960\">If you are married <strong data-start=\"2778\" data-end=\"2806\">in community of property<\/strong>, both partners must apply together.<br data-start=\"2842\" data-end=\"2845\" \/>If you are married <strong data-start=\"2864\" data-end=\"2896\">out of community of property<\/strong>, you may apply individually without the consent of your spouse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b1412d elementor-widget elementor-widget-spacer\" data-id=\"5b1412d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4abde49 elementor-widget elementor-widget-heading\" data-id=\"4abde49\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Can I exit debt counselling before all my debts are paid?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63bbe8f elementor-widget elementor-widget-text-editor\" data-id=\"63bbe8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3033\" data-end=\"3311\">No. You can only exit debt counselling once all debts under review have been paid and a <strong data-start=\"3121\" data-end=\"3146\">clearance certificate<\/strong> has been issued. For consumers with a home loan, the bond must be up to date in terms of the court ordered arrangement before a clearance certificate can be issued.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3ae731 elementor-widget elementor-widget-spacer\" data-id=\"a3ae731\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e247be elementor-widget elementor-widget-heading\" data-id=\"8e247be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">How much does debt counselling cost?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6959445 elementor-widget elementor-widget-text-editor\" data-id=\"6959445\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3033\" data-end=\"3311\">Debt counselling fees are regulated by the <strong data-start=\"3406\" data-end=\"3435\">National Credit Regulator<\/strong> and cannot exceed the official fee guidelines.<br data-start=\"3482\" data-end=\"3485\" \/>You can review the current NCR fee structure here:<br data-start=\"3535\" data-end=\"3538\" \/><a class=\"decorated-link\" href=\"https:\/\/www.ncr.org.za\/documents\/debt%20counselling%20fee%20structure%20guideline.pdf\" target=\"_new\" rel=\"noopener\" data-start=\"3538\" data-end=\"3623\">https:\/\/www.ncr.org.za\/documents\/debt%20counselling%20fee%20structure%20guideline.pdf<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3d50d0 elementor-widget elementor-widget-spacer\" data-id=\"e3d50d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c68d2d9 elementor-widget elementor-widget-heading\" data-id=\"c68d2d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">How do I make payments under debt counselling?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c73ed7f elementor-widget elementor-widget-text-editor\" data-id=\"c73ed7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3685\" data-end=\"3970\">Consumers under debt counselling make payments through a registered <strong data-start=\"3753\" data-end=\"3790\">Payment Distribution Agency (PDA)<\/strong>.<br data-start=\"3791\" data-end=\"3794\" \/>A consumer may not make payments directly to their debt counsellor, except for the initial R50 application fee. Debt counsellors are prohibited from collecting debt repayments.<\/p><p data-start=\"3972\" data-end=\"4104\">Consumers may pay creditors directly only if specifically arranged, but most consumers prefer the convenience and security of a PDA.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24537d1 elementor-widget elementor-widget-spacer\" data-id=\"24537d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-910970c elementor-widget elementor-widget-heading\" data-id=\"910970c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What is the role of a Payment Distribution Agency (PDA)?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-948aa8d elementor-widget elementor-widget-text-editor\" data-id=\"948aa8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3685\" data-end=\"3970\"><strong>A PDA is responsible for:<\/strong><\/p><p data-start=\"3685\" data-end=\"3970\"><span style=\"font-style: inherit; font-weight: inherit;\">\u2022 Receiving the debt review repayment plan from the debt counsellor<\/span><\/p><p data-start=\"3685\" data-end=\"3970\"><span style=\"font-style: inherit; font-weight: inherit;\">\u2022 Collecting the monthly instalment from the consumer<\/span><\/p><p data-start=\"3685\" data-end=\"3970\"><span style=\"font-style: inherit; font-weight: inherit;\">\u2022 Distributing payments to credit providers<\/span><\/p><p data-start=\"3685\" data-end=\"3970\"><span style=\"font-style: inherit; font-weight: inherit;\">\u2022 Providing monthly statements to consumers<\/span><\/p><p data-start=\"3685\" data-end=\"3970\">\u2022 Assisting consumers, counsellors, and credit providers with payment-related queries<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6344b6e elementor-widget elementor-widget-spacer\" data-id=\"6344b6e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f83a47c elementor-widget elementor-widget-heading\" data-id=\"f83a47c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Can I change my debt counsellor during the process?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8afa3d elementor-widget elementor-widget-text-editor\" data-id=\"f8afa3d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3685\" data-end=\"3970\">Yes. A consumer may change to a new debt counsellor if they feel unsupported or unable to reach their current counsellor.<br data-start=\"4695\" data-end=\"4698\" \/>The new debt counsellor will take over the file and continue the process. You will not be charged the original fees again, but ongoing after care fees will apply.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12b0f55 elementor-widget elementor-widget-spacer\" data-id=\"12b0f55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c57256 elementor-widget elementor-widget-heading\" data-id=\"4c57256\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What if my financial situation changes while under debt review?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f47b00 elementor-widget elementor-widget-text-editor\" data-id=\"0f47b00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3685\" data-end=\"3970\">If your income decreases or your circumstances change, your debt counsellor can renegotiate new or interim repayment terms with your credit providers. This follows the NCR&#8217;s official guidelines for Change in Circumstances.<\/p><p data-start=\"3685\" data-end=\"3970\"><br data-start=\"5161\" data-end=\"5164\" \/>Guidelines available here:<br data-start=\"5190\" data-end=\"5193\" \/><a class=\"decorated-link\" href=\"https:\/\/www.ncr.org.za\/documents\/debt%20counselling%20fee%20structure%20guideline.pdf\" target=\"_new\" rel=\"noopener\" data-start=\"5193\" data-end=\"5278\">https:\/\/www.ncr.org.za\/documents\/debt%20counselling%20fee%20structure%20guideline.pdf<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65431c2 elementor-widget elementor-widget-spacer\" data-id=\"65431c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b256fac elementor-widget elementor-widget-heading\" data-id=\"b256fac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Where can I learn more about debt counselling?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db4f4b2 elementor-widget elementor-widget-text-editor\" data-id=\"db4f4b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5340\" data-end=\"5497\">You may download the NCR&#8217;s official Debt Counselling Brochure or visit the National Credit Regulator&#8217;s website at <strong data-start=\"5454\" data-end=\"5472\"><a class=\"decorated-link\" href=\"http:\/\/www.ncr.org.za\" target=\"_new\" rel=\"noopener\" data-start=\"5456\" data-end=\"5470\">www.ncr.org.za<\/a><\/strong> for further information.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b7738de elementor-widget elementor-widget-spacer\" data-id=\"b7738de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-099aef6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"099aef6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">DOWNLOAD NCR DEBT COUNSELLING BROCHURE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d21c99 elementor-widget elementor-widget-spacer\" data-id=\"0d21c99\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5d97cf1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d97cf1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-47aa526\" data-id=\"47aa526\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-fed971c elementor-widget elementor-widget-heading\" data-id=\"fed971c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><a href=\"http:\/\/www.ncr.org.za\">Or visit the National Credit Regulator's website for more information <br> www.ncr.org.za<\/a><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-56eb931 elementor-section-content-middle elementor-reverse-tablet elementor-reverse-mobile elementor-section-height-full elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"56eb931\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-05afe89\" data-id=\"05afe89\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bcec11f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bcec11f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-858ebe4\" data-id=\"858ebe4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3d1569c elementor-widget elementor-widget-spacer\" data-id=\"3d1569c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b193e55 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b193e55\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5b5f72e\" data-id=\"5b5f72e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ae6c231 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"ae6c231\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Credit Life Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b8c9f0c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b8c9f0c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-fb8dadf\" data-id=\"fb8dadf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1427f07 elementor-widget elementor-widget-spacer\" data-id=\"1427f07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-efadf74 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"efadf74\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4d44218\" data-id=\"4d44218\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d6f23d5 elementor-widget elementor-widget-heading\" data-id=\"d6f23d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What is credit life insurance?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc7f11a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc7f11a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-97b2eca\" data-id=\"97b2eca\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-30a35fe elementor-widget elementor-widget-text-editor\" data-id=\"30a35fe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5613\" data-end=\"5895\">Credit life insurance is a policy taken out on a credit agreement. It provides financial protection if the consumer becomes unable to earn an income due to death, disability, retrenchment, or other covered events. Some credit providers require this insurance before granting credit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d08fd50 elementor-widget elementor-widget-spacer\" data-id=\"d08fd50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-290d56e elementor-widget elementor-widget-heading\" data-id=\"290d56e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">When is credit life insurance taken out?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9f5509f elementor-widget elementor-widget-text-editor\" data-id=\"9f5509f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5613\" data-end=\"5895\">It is usually taken at the time a credit agreement is signed, but can also be added at a later stage, for example when switching insurers.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74e951c elementor-widget elementor-widget-spacer\" data-id=\"74e951c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b70c1f8 elementor-widget elementor-widget-heading\" data-id=\"b70c1f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Which debts are covered by credit life insurance?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd4d9d9 elementor-widget elementor-widget-text-editor\" data-id=\"dd4d9d9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5613\" data-end=\"5895\">Credit life insurance may cover:<br data-start=\"6186\" data-end=\"6189\" \/>\u2022 Home loans<br data-start=\"6201\" data-end=\"6204\" \/>\u2022 Personal loans<br data-start=\"6220\" data-end=\"6223\" \/>\u2022 Vehicle finance<br data-start=\"6240\" data-end=\"6243\" \/>\u2022 Store cards<br data-start=\"6256\" data-end=\"6259\" \/>\u2022 Credit cards<br data-start=\"6273\" data-end=\"6276\" \/>\u2022 Overdrafts<br data-start=\"6288\" data-end=\"6291\" \/>\u2022 Furniture or appliance accounts<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fd7644 elementor-widget elementor-widget-spacer\" data-id=\"8fd7644\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7021d55 elementor-widget elementor-widget-heading\" data-id=\"7021d55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Are there exclusions in credit life insurance policies?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-24cd4e8 elementor-widget elementor-widget-text-editor\" data-id=\"24cd4e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"6397\" data-end=\"6626\">Yes. Policies exclude certain risks, such as those caused by:<br data-start=\"6458\" data-end=\"6461\" \/>\u2022 Deliberate or irresponsible conduct<br data-start=\"6498\" data-end=\"6501\" \/>\u2022 Suicide<br data-start=\"6510\" data-end=\"6513\" \/>\u2022 Alcohol or drug related incidents<br data-start=\"6548\" data-end=\"6551\" \/>\u2022 Civil unrest or riots<br data-start=\"6574\" data-end=\"6577\" \/>\u2022 Unprotected strikes<br data-start=\"6598\" data-end=\"6601\" \/>\u2022 Self-inflicted injury<\/p><p data-start=\"6628\" data-end=\"6666\">Exclusions vary by policy and insurer.<\/p><p data-start=\"6668\" data-end=\"6893\">Additional common exclusions include:<br data-start=\"6705\" data-end=\"6708\" \/>\u2022 Retrenchment occurring within the first 3 months of the policy<br data-start=\"6772\" data-end=\"6775\" \/>\u2022 Wilful misconduct<br data-start=\"6794\" data-end=\"6797\" \/>\u2022 Resignation<br data-start=\"6810\" data-end=\"6813\" \/>\u2022 Voluntary retrenchment<br data-start=\"6837\" data-end=\"6840\" \/>\u2022 Termination of employment that was known in advance<\/p><p data-start=\"6895\" data-end=\"6964\">Refer to the Credit Life Regulations for the full list of exclusions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71683c0 elementor-widget elementor-widget-spacer\" data-id=\"71683c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b5fb57 elementor-widget elementor-widget-heading\" data-id=\"5b5fb57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Can I claim credit life insurance while under debt review?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c0c89e elementor-widget elementor-widget-text-editor\" data-id=\"1c0c89e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5613\" data-end=\"5895\">Yes. If you had valid credit life insurance at the time of losing income, retrenchment, disability, or death, you may claim even while under debt review.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c1577a6 elementor-widget elementor-widget-spacer\" data-id=\"c1577a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4048dcc elementor-widget elementor-widget-heading\" data-id=\"4048dcc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Can I claim if I lost income due to Covid-19 or similar events?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d482808 elementor-widget elementor-widget-text-editor\" data-id=\"d482808\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5613\" data-end=\"5895\">This depends on the terms of your policy. Many policies cover temporary full loss of income, while some do not cover partial income reductions. It is important to review your policy wording to understand what is included.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fafdd94 elementor-widget elementor-widget-spacer\" data-id=\"fafdd94\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0bf2921 elementor-widget elementor-widget-heading\" data-id=\"0bf2921\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Am I required to take the credit life insurance offered by the credit provider?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-028dd43 elementor-widget elementor-widget-text-editor\" data-id=\"028dd43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5613\" data-end=\"5895\">No. Consumers may choose to purchase credit life insurance from any insurer. The credit provider must simply be listed as the beneficiary or loss payee.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e05752 elementor-widget elementor-widget-spacer\" data-id=\"6e05752\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a3f3a2 elementor-widget elementor-widget-heading\" data-id=\"9a3f3a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">What are the maximum premiums for credit life insurance?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e86d402 elementor-widget elementor-widget-text-editor\" data-id=\"e86d402\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5613\" data-end=\"5895\">According to the Credit Life Regulations:<br data-start=\"7851\" data-end=\"7854\" \/>\u2022 R2.50 per R1 000 for mortgages<br data-start=\"7886\" data-end=\"7889\" \/>\u2022 R2.00 per R1 000 for affordable housing mortgages<br data-start=\"7940\" data-end=\"7943\" \/>\u2022 R4.50 per R1 000 for personal loans, credit cards, overdrafts, store cards, and most other credit agreements<br data-start=\"8053\" data-end=\"8056\" \/>\u2022 Premiums may vary depending on the consumer\u2019s age<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41fc386 elementor-widget elementor-widget-spacer\" data-id=\"41fc386\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3eccacb elementor-widget elementor-widget-heading\" data-id=\"3eccacb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Where can I find more information on credit life insurance?<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b87568 elementor-widget elementor-widget-text-editor\" data-id=\"5b87568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"5613\" data-end=\"5895\">Visit the National Credit Regulator\u2019s website at <strong data-start=\"8231\" data-end=\"8249\"><a class=\"decorated-link\" href=\"http:\/\/www.ncr.org.za\" target=\"_new\" rel=\"noopener\" data-start=\"8233\" data-end=\"8247\">www.ncr.org.za<\/a><\/strong> for full details.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-507a453 elementor-widget elementor-widget-spacer\" data-id=\"507a453\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ce148c4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ce148c4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-13c0203\" data-id=\"13c0203\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-55ddbef elementor-widget elementor-widget-image\" data-id=\"55ddbef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2025\/12\/cropped-Opsie-3b-2.png\" class=\"attachment-medium_large size-medium_large wp-image-2727\" alt=\"\" srcset=\"https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2025\/12\/cropped-Opsie-3b-2.png 512w, https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2025\/12\/cropped-Opsie-3b-2-300x300.png 300w, https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2025\/12\/cropped-Opsie-3b-2-150x150.png 150w, https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2025\/12\/cropped-Opsie-3b-2-120x120.png 120w, https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2025\/12\/cropped-Opsie-3b-2-270x270.png 270w, https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2025\/12\/cropped-Opsie-3b-2-192x192.png 192w, https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2025\/12\/cropped-Opsie-3b-2-180x180.png 180w, https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2025\/12\/cropped-Opsie-3b-2-32x32.png 32w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-aefebf4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"aefebf4\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8f78385\" data-id=\"8f78385\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a35e9b0 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a35e9b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ready to Take the First Step Toward Financial Freedom\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cdae9bc elementor-widget elementor-widget-spacer\" data-id=\"cdae9bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-850165d elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"850165d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-mobile-alt\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">082 824 6186<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15e792b elementor-widget elementor-widget-text-editor\" data-id=\"15e792b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Whether you are feeling overwhelmed or simply need guidance, we are here to help you navigate your financial journey with confidence. Contact us today for a free, no obligation consultation and let us be your financial anchor.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d10d11 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1d10d11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2026\/01\/Application-Form-New.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request Free Assessment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28cd4c4 elementor-widget elementor-widget-spacer\" data-id=\"28cd4c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>FAQ Frequently Asked Questions Debt Counselling and Debt Review What is debt counselling? Debt counselling is a formal debt relief solution provided for in the National Credit Act. It is designed to help over indebted South Africans who are struggling to meet their monthly debt obligations. Through this regulated process, a registered debt counsellor provides [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"disabled","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-20","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FAQ - LC Debt Counselling<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lcdebtcounselling.co.za\/?page_id=20\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FAQ - LC Debt Counselling\" \/>\n<meta property=\"og:description\" content=\"FAQ Frequently Asked Questions Debt Counselling and Debt Review What is debt counselling? Debt counselling is a formal debt relief solution provided for in the National Credit Act. It is designed to help over indebted South Africans who are struggling to meet their monthly debt obligations. Through this regulated process, a registered debt counsellor provides [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lcdebtcounselling.co.za\/?page_id=20\" \/>\n<meta property=\"og:site_name\" content=\"LC Debt Counselling\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-26T18:25:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lcdebtcounselling.co.za\/wp-content\/uploads\/2025\/12\/cropped-Opsie-3b-2.png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/?page_id=20\",\"url\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/?page_id=20\",\"name\":\"FAQ - LC Debt Counselling\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/?page_id=20#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/?page_id=20#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/cropped-Opsie-3b-2.png\",\"datePublished\":\"2019-04-02T02:36:18+00:00\",\"dateModified\":\"2026-01-26T18:25:15+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/?page_id=20#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/?page_id=20\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/?page_id=20#primaryimage\",\"url\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/cropped-Opsie-3b-2.png\",\"contentUrl\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/cropped-Opsie-3b-2.png\",\"width\":512,\"height\":512},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/?page_id=20#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FAQ\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/#website\",\"url\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/\",\"name\":\"LC Debt Counselling\",\"description\":\"Your Financial Anchor\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.lcdebtcounselling.co.za\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FAQ - LC Debt Counselling","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.lcdebtcounselling.co.za\/?page_id=20","og_locale":"en_US","og_type":"article","og_title":"FAQ - LC Debt Counselling","og_description":"FAQ Frequently Asked Questions Debt Counselling and Debt Review What is debt counselling? 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