Do you guarantee removals or a specific credit score?
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No. Outcomes depend on your documents, legal position, and third‑party processes (bureaus, credit providers, debt counsellors, PDAs, and where applicable, courts). We do guarantee a structured process and clear communication.
Are you a debt counsellor?
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No. We provide administrative support, document coordination, and process guidance. Where legal representation or court filings are required, those steps are performed by an independent admitted attorney/firm under their own mandate.
What documents will you usually ask for?
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Typically: SA ID, proof of address, 3 months bank statements, 3 payslips (if employed), and any available debt review documents (Forms 17.x, PDA statements, clearance certificate, or court paperwork). We confirm the exact list after assessment.
How long does the process take?
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Timelines vary. Many matters move within 30–90 days, but delays can happen if third parties are slow to respond or (where applicable) court schedules are backlogged. We provide a timeline estimate after reviewing your file.
How do I know if I’m still under debt review?
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If you’re unsure, we can check by pulling your credit report (with your consent) and reviewing your debt review indicators and listings. You can also request your own report directly from a bureau.
Can you help if I don’t have a clearance certificate?
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Yes. We first assess what documents exist on your file and which route is appropriate. Some exits rely on clearance documentation where applicable; other matters may require attorney-led court relief depending on your circumstances and records.
Do I need paid‑up letters before we start?
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Not always. We can start with an assessment and document collection. If a paid‑up/settlement confirmation is required for a specific step, we’ll tell you exactly what is needed and from whom.
Do you handle judgments as well?
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We can provide judgment rescission support by coordinating document retrieval and briefing an independent admitted attorney/firm where court filings are required. Success depends on the facts, the order, and the available evidence.
Do you communicate with my debt counsellor, PDA, or creditors?
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Yes—where applicable and with your authorisation. Our role is to coordinate records, confirmations, and process steps so your file is complete and properly supported.
What does the “assessment” include?
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We review your credit report indicators (with consent), your documents, and your current status to confirm the most appropriate route, the documents required, and a written quote and timeline estimate.
Do I need to come into an office?
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No. We operate remotely. Documents are shared securely and we communicate via phone, email, and WhatsApp for updates and follow‑ups.
How do payments work?
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Fees are confirmed in writing before we proceed. Depending on the service and your file, we may offer structured payment options. Fees cover professional time, coordination, and administration.
Can I cancel after starting?
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Yes. Cancellation and refund terms depend on the stage of work completed and any third‑party costs already incurred. Your Terms of Service explains the process clearly.
Will you need access to my banking app or passwords?
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No. We will never ask for your banking passwords. If bank statements are required, you provide them directly.
Which credit bureaus can you submit to?
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We submit disputes/updates to the relevant bureau(s) based on where the listing appears. Processing times and outcomes are controlled by the bureaus and the furnisher(s).
What if a bureau rejects the dispute?
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We review the reason, identify what supporting evidence is missing, and advise the next best step (additional documentation, a corrected submission, or escalation where appropriate).
How will I get updates?
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We provide progress updates as we receive responses from third parties and as key steps are completed. You can also request a status update at any time.
Is my personal information safe (POPIA)?
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We only process information needed for your requested services and keep your file confidential. Our Privacy Policy explains what we collect, why we collect it, and how to request access or deletion where applicable.
