The debt review process, also known as debt counselling, was introduced in 2007 by the NCR to help struggling consumers from becoming blacklisted and to help those who are unable to meet their current debt repayments. Debt review legislation is designed to protect consumers by ensuring they have affordable legal protection from credit providers in the case that a consumer ever becomes overburdened by debt. 10.53 Million South Africans likely have too much debt to cope. Getting out of debt can be almost impossible to achieve without legal help when you are over-indebted. Sometimes it’s not possible to reduce your living costs any further. The only other option is to reduce your debt repayments. To do this, you’ll need a registered Debt Counsellor such as Debt Rescue who can negotiate on your behalf.