Debt Review Legal Services

At ND-Attorneys, we provide expert legal support for all aspects of Debt Review under the National Credit Act (NCA), working closely with consumers, debt counsellors, and credit providers.

Our Debt Review Legal Services

Over-Indebtedness Assessments & Section 86 Applications

We act for consumers and debt counsellors in bringing Section 86 applications before the Magistrates’ Court. We assist in:

• Assessing whether a consumer is over-indebted or not over-indebted;
• Drafting and submitting legal documents for court declaration;
• Representing debt counsellors in obtaining consent orders or restructuring orders

We ensure all court processes are compliant with NCA procedures and timelines.

Debt Review Court Representation

We represent consumers and debt counsellors in:

• Opposed and unopposed debt restructuring applications;
• Consent order confirmations (Section 86(7)(b));
• Objections by credit providers under Section 86(8); and
• Section 87 hearings for court-ordered debt restructuring

Our legal team helps ensure that the consumer’s rights and affordability are properly represented before the court.

Debt Review Removal Applications

We assist individuals who wish to legally exit debt review, whether:

• Their debt has been fully paid up, or
• They were placed under debt review incorrectly or unlawfully.

    Our removal services include:

• Applications to terminate debt review under Section 71 or 88(1);

• Drafting affidavits and supporting evidence;

• Court appearances to obtain a declaratory order or rescission; and
• Liaison with credit bureaus to clear your record

    We work quickly and discreetly to restore your financial freedom.

Legal Opinions & Reports for Debt Counsellors

We offer fast, expert legal assessments to assist debt counsellors in:

• Determining a consumer’s over-indebtedness status;
• Drafting Section 86(7)(a), (b), (c), or (d) reports;
• Supporting decisions to reject, accept, or refer matters to court; and
• Handling appeals or objections

    We provide fixed-fee legal opinion services within 48–72 hours.

Why Choose ND Attorneys?

 Fast, reliable legal turnaround

 Clear communication with all parties

 Transparent fees — no hidden costs

 Proven track record in debt law cases