WELCOME TO Exit DC
Personalized Debt Review Removal Services
We are a leading credit restoration company, dedicated to helping South Africans legally remove the debt review flag from their name. With over 15 years of combined expertise, we’ve helped thousands regain their financial freedom.
Trusted Partner
Application to Remove the “Debt Review” Flag from Your Credit Record
When you enter debt review and a debt counsellor determines you are over-indebted under Section 86(6)(a) of the National Credit Act. A “debt review” flag is placed on your credit profile.
If you decide to cancel your debt review, the debt counsellor cannot remove this flag unless all your debts have been settled. However, you still have the right to approach the Magistrate’s Court to have the flag removed.
This type of application to the Court must be made before your debt restructuring proposal becomes a formal Court order under Section 86(7)(c) of the National Credit Act.
At Exit DC, we assist you in filing an application under Section 87(1)(a) of the National Credit Act directly to the Magistrate’s Court.
Through this process, we work to demonstrate that you are not over-indebted, requesting the Court to overturn the debt counsellors' finding and remove the debt review flag from your credit profile.
This option is only available if the administrative process and legal proceedings with your debt counsellor have not yet been finalized.
Once the Court grants the order, it is provided to your debt counsellor, who must then remove the “debt review” listing from the credit bureaus—restoring your financial freedom.
2000+ Clients Helped
Join thousands who’ve restored their credit and reclaimed financial control through our proven solutions.
900+ Credit Disputes Resolved
From charge-offs to collections, we tackle inaccuracies head-on to help you strengthen your credit profile.
What does a rescission application for debt review involve?
A rescission application is filed at the Magistrate’s Court with jurisdiction, requesting that the existing debt review Court Order be set aside and that the consumer be declared no longer over-indebted.
This application must:
Notify the Court that the consumer was previously found over-indebted under the original Court Order (which must be attached as an annexure).
Demonstrate that the consumer’s current financial situation has improved, showing they are no longer over-indebted.
Make it clear that the consumer no longer requires debt review.
Through this process, the Court is asked to rescind (cancel) the existing debt review order, effectively removing the consumer from debt review status.for debt review involve?
EXIT DC & EMB Attorneys
We’re dedicated to helping you take control of your credit journey. With customised solutions, expert guidance, and a commitment to real, lasting results, we’re by your side every step of the way—empowering you to achieve true financial confidence.
Specialised Expertise
Personalised Support
Proven Results
Fees, How much will it cost?
Have you paid off all your debts? If yes—and you have the paid-up letters—expect to pay ~R1,500 to get the clearance certificate and have the flag removed within ~30 days.
No paid-up letters or complex situation? You’ll need a legal intervention, pushing costs to R5,000–6,000 (court route) or up to R8,100 for full legal service with aftercare.
Fees can be paid over 1 - 4 months
Note on timing:
Certificate route: 7 - 21 days to reflect removal on credit bureaus.
Delays can occur should your debt counsellor act slow or should the credit bureaus have a backlog.
Court route: Anywhere from 30 - 90 days depending on the complexity of your application and the courts availability.
Your Legal, Ethical Exit from Debt
Debt Removal Assistance
Stuck in a plane that no longer works? We'll help you explore safe, regulated way to restructure or complete the process properly
We assess whether you qualify for a safe and compliant exit from debt review under the national credit act.
Based on your financial situation, we'll develop a custom plan - whether that's completing repayment, restructuring, or apply for a court rescission.
We work directly with creditor and debt counsellors to ensure a smooth transparent transition out of debt review.
Post Debt Review Support
Get help rebuilding your credit the right way - no fake "clears' just solid guidance.
We guide you in disputing outdated or incorrect listings once you're officially of out of debt review.
Learn how to manage money confidently with practical tools and support from our team.
We help you re-establish good credit habits, including when and how to safely use credit again.
Second Opinion consultations
Been offered "debt review exit" for a high fee? Let us verify if it's legit - for free
We identify warning signs of common scams or illegal shortcuts disguises as quick fixes.
We evaluate whether the advise or service offered complies with South African Debt Legislation.
You'll receive honest, professional feedback - free of charge and with no pressure to commit.
What Our Clients are Saying
70%
of debt review clients can't distinguish between debt counselling and consolidation
20%
of individuals under debt review terminate the process within 12 months
10%
of consumer on debt review didn't know who their appointed debt counsellor was
717,495+
Enter into debt review without fully understanding the process