Please Note: The process of Debt Counselling for which you are about to apply, cannot be executed without the incurrence of certain costs. An initial application fee of R50 is payable by all applicants. Should you not be in a position to pay this fee immediately, it will become payable together with the fees as explained here below.

Should you decide to proceed with the application by signing NCR-Form 16 (Application by Consumer for Debt Review), the Debt Counsellor is allowed to charge fees according to the following guidelines:

1. A Restructuring Fee: The Restructuring fee is a once off fee that will be equal to the Affordability amount (plus 14% VAT) with a maximum of R6000 (plus 14% VAT) in the case of a single application, or R6000 (plus 14% VAT) in the case of a joint application which will be payable by you. You will be responsible for paying this fee on the date of receiving your next salary.
2. Legal Fee: A legal fee equal to the restructuring fee plus all additional fees charged by the attorney will be payable which will cover the drafting of the court application as well as the first court appearance. Any additional legal work done after that will be charged separately on an attorney and client scale.
3. After-care fee: The Debt Counsellor may also charge a monthly after-care fee equal to 5% (plus 14% VAT) for the first 24 months and thereafter 3% (plus 14% VAT) of the monthly instalment of the debt re-arrangement plan, up to a maximum of R400 (plus 14% VAT). This fee will be deducted from the monthly payment.
4. 75% Restructuring Fee: Should you wish to withdraw from the process after the debt counsellor has already completed the restructuring negotiations, a cancelation fee equal to 75% of the restructuring fee will become payable by you. Should you already have paid the full restructuring fee; the surplus of 25% will be refunded.
5. A Rejection Fee: of R300 will be charged, should you decide to withdraw from the process in the period between signing Form-16 and the completion of the restructuring negotiations by the Debt Counsellor. You will become liable for the payment of this fee immediately after withdrawing from the process.
6. 100% Refund: If the debt counsellor fails to submit proposals to credit providers or refer the matter to a tribunal or a magistrate’s court within 60 business days from the date of signing NCR Form-16, the debt counsellor will refund 100% of the fee already paid by you.