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FAQ (2024)

A: No, Debt Review is not the same as Sequestration.

What is Sequestration?

Sequestration entails that you, a natural person (as stated by the Insolvency Act), are bankrupt.

You get two types of Sequestration:

One – Compulsory Sequestration – when you can’t pay your debts, leading to your creditors applying for your estate to get sequestrated.
And two – Voluntary Sequestration – when you willingly apply to the High Court for sequestration/to be declared insolvent.

**For more information and help with the above process, please contact an authorised insolvency lawyer to assist you.

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What the process entails:

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START

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Debt Review

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Free assessment done by a registered Debt Counsellor to confirm over-indebtedness.

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Sequestration

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Application to the High Court for Sequestration/to be declared insolvent.

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What the process entails:

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PAYMENT PLAN

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Debt Review

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Consolidated repayment plan to pay off your debts & a budget to enable you to service your living costs in the process.

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Sequestration

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The court will appoint a trustee to manage your money and distribute the benefits from the sale of (mostly all of your) assets in your estate.

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What the process entails:

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PROTECT ASSETS

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Debt Review

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Protection of your assets (such as a vehicle or house) against your creditors.

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Sequestration

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With Sequestration your assets are sold to cover your debt. In order to meet the criteria for Sequestration, you will need to cover 100% of your secured debt (typically a home loan or an instalment sale agreement) and 20% of your unsecured debt (typically personal loans, credit cards and overdrafts) as well as the costs of the Sequestration.

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What the process entails:

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REACHING THE END OF THE PROCESS & THE WAY FORWARD (TAKING ON DEBT AGAIN)

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Debt Review

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Clearance Certificate – the proof that you receive indicating that you have paid off all of your debts.
As soon as all paid-up letters have been received, you and the credit bureaus will receive your Clearance Certificate Your Debt Review flag, plus any default listings, need to be removed from your record (according to the National Credit Act) by the credit bureaus.
However, your payment history will still reflect on your credit profile for a period of two years as per the conditions of the National Credit Act (NCA).

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Sequestration

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You may bring an application to be rehabilitated, usually within 4 years after your date of Sequestration. This entails another court application; however, it is not a complicated one. If no creditors prove claims, you can rehabilitate within 1 year. Note – this is not the norm.
If you do not bring the application, you will automatically rehabilitate after 10 years.
You cannot get credit before your rehabilitation.

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What the process entails:

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HOW LONG DOES THIS PROCESS TAKE?

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Debt Review

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Debt Review is a rehabilitation and proven program that is personally structured according to your situation and according to the amount of debt that you owe (differs time-wise from person-to-person).
DebtSafe can provide you with a free debt assessment which will provide you with an estimate on how long your specific Debt Review program can/will take. (CTA)

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DebtSafe can provide you with a free debt assessment which will provide you with an estimate on how long your specific Debt Review program can/will take.

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Sequestration

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Sequestration is completed within a 1 – 10 year period, depending on several factors.
The consequence of Sequestration can be far-reaching, depending on your specific situation and circ*mstances involving your insolvency.

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The difference between Debt Review & Sequestration – shortened illustration:

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Difference

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Debt relief method / debt management solution

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.gb-container-12302e73{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-12302e73 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-12302e73 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-12302e73{width:100%;}}

p.gb-headline-619666dd{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Debt Review

p.gb-headline-f45eb346{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

.gb-container-ffb013a4{border:1px solid;background-color:#f5f5f5;}.gb-container-ffb013a4 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-ffb013a4{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-ffb013a4 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-ffb013a4{width:50%;}}

.gb-container-55677acc{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-55677acc > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-55677acc > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-55677acc{width:100%;}}

p.gb-headline-c2254ed5{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Sequestration

p.gb-headline-507d26ab{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

.gb-grid-wrapper-c3829fb9{display:flex;flex-wrap:wrap;margin-left:-10px;}.gb-grid-wrapper-c3829fb9 > .gb-grid-column{box-sizing:border-box;padding-left:10px;padding-bottom:10px;}

.gb-container-c286cda2{border:1px solid;background-color:#f5f5f5;}.gb-container-c286cda2 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-c286cda2{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-c286cda2 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-c286cda2{width:100%;}}

.gb-container-1a691dff{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-1a691dff > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-1a691dff > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-1a691dff{width:100%;}}

p.gb-headline-a19251c3{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}

Difference

p.gb-headline-43590418{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}

Regulated process

.gb-container-81017f99{border:1px solid;background-color:#f5f5f5;}.gb-container-81017f99 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-81017f99{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-81017f99 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-81017f99{width:50%;}}

.gb-container-bedc5c09{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-bedc5c09 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-bedc5c09 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-bedc5c09{width:100%;}}

p.gb-headline-079e3b4a{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Debt Review

p.gb-headline-44cce1b7{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

p.gb-headline-c76cef6c{text-align:center;padding:10px;margin-bottom:0px;}

Regulated by the National Credit Regulator (NCR) – the governing body of the credit industry under the National Credit Act (NCA)

.gb-container-9d1f1e19{border:1px solid;background-color:#f5f5f5;}.gb-container-9d1f1e19 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-9d1f1e19{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-9d1f1e19 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-9d1f1e19{width:50%;}}

.gb-container-689325d5{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-689325d5 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-689325d5 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-689325d5{width:100%;}}

p.gb-headline-8aa0bb3a{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Sequestration

p.gb-headline-0a366f7c{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

p.gb-headline-a2b3b2ee{text-align:center;padding:10px;margin-bottom:0px;}

The process is regulated by the Insolvency Act

.gb-grid-wrapper-e3d1fb28{display:flex;flex-wrap:wrap;margin-left:-10px;}.gb-grid-wrapper-e3d1fb28 > .gb-grid-column{box-sizing:border-box;padding-left:10px;padding-bottom:10px;}

.gb-container-0a880c9f{border:1px solid;background-color:#f5f5f5;}.gb-container-0a880c9f > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-0a880c9f{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-0a880c9f > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-0a880c9f{width:100%;}}

.gb-container-dd16c1a0{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-dd16c1a0 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-dd16c1a0 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-dd16c1a0{width:100%;}}

p.gb-headline-993f09b6{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}

Difference

p.gb-headline-3d8a3184{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}

Losing your assets during the process

.gb-container-e20cb002{border:1px solid;background-color:#f5f5f5;}.gb-container-e20cb002 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-e20cb002{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-e20cb002 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-e20cb002{width:50%;}}

.gb-container-df0c3684{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-df0c3684 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-df0c3684 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-df0c3684{width:100%;}}

p.gb-headline-75580743{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Debt Review

p.gb-headline-0a196e87{font-size:40px;text-align:center;margin-bottom:0px;color:#ab4326;}

✗

.gb-container-57461314{border:1px solid;background-color:#f5f5f5;}.gb-container-57461314 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-57461314{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-57461314 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-57461314{width:50%;}}

.gb-container-93b4f08c{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-93b4f08c > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-93b4f08c > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-93b4f08c{width:100%;}}

p.gb-headline-a4a101fa{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Sequestration

p.gb-headline-e71ee6e5{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

.gb-grid-wrapper-4f380f30{display:flex;flex-wrap:wrap;margin-left:-10px;}.gb-grid-wrapper-4f380f30 > .gb-grid-column{box-sizing:border-box;padding-left:10px;padding-bottom:10px;}

.gb-container-d3456a5d{border:1px solid;background-color:#f5f5f5;}.gb-container-d3456a5d > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-d3456a5d{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-d3456a5d > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-d3456a5d{width:100%;}}

.gb-container-ddc68713{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-ddc68713 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-ddc68713 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-ddc68713{width:100%;}}

p.gb-headline-7f653289{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}

Difference

p.gb-headline-f16903e9{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}

You get the opportunity to pay off all of your creditors

.gb-container-e8350df3{border:1px solid;background-color:#f5f5f5;}.gb-container-e8350df3 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-e8350df3{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-e8350df3 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-e8350df3{width:50%;}}

.gb-container-fef0d369{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-fef0d369 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-fef0d369 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-fef0d369{width:100%;}}

p.gb-headline-554a25ab{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Debt Review

p.gb-headline-9ebfe08f{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

.gb-container-736053ec{border:1px solid;background-color:#f5f5f5;}.gb-container-736053ec > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-736053ec{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-736053ec > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-736053ec{width:50%;}}

.gb-container-4e0c0984{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-4e0c0984 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-4e0c0984 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-4e0c0984{width:100%;}}

p.gb-headline-07fd4277{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Sequestration

p.gb-headline-4b845425{font-size:40px;text-align:center;margin-bottom:0px;color:#ab4326;}

✗

.gb-grid-wrapper-24f1e9bf{display:flex;flex-wrap:wrap;margin-left:-10px;}.gb-grid-wrapper-24f1e9bf > .gb-grid-column{box-sizing:border-box;padding-left:10px;padding-bottom:10px;}

.gb-container-303d345c{border:1px solid;background-color:#f5f5f5;}.gb-container-303d345c > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-303d345c{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-303d345c > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-303d345c{width:100%;}}

.gb-container-d52ac712{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-d52ac712 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-d52ac712 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-d52ac712{width:100%;}}

p.gb-headline-95e10a7d{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}

Difference

p.gb-headline-c6c0b733{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}

Hefty legal fees

.gb-container-ad1eba1e{border:1px solid;background-color:#f5f5f5;}.gb-container-ad1eba1e > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-ad1eba1e{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-ad1eba1e > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-ad1eba1e{width:50%;}}

.gb-container-4d2fc8a4{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-4d2fc8a4 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-4d2fc8a4 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-4d2fc8a4{width:100%;}}

p.gb-headline-9f5588c3{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Debt Review

p.gb-headline-e1dc7a7f{font-size:40px;text-align:center;margin-bottom:0px;color:#ab4326;}

✗

.gb-container-266477a3{border:1px solid;background-color:#f5f5f5;}.gb-container-266477a3 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-266477a3{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-266477a3 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-266477a3{width:50%;}}

.gb-container-79f94cd8{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-79f94cd8 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-79f94cd8 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-79f94cd8{width:100%;}}

p.gb-headline-b598ab11{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Sequestration

p.gb-headline-a42faa55{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

.gb-grid-wrapper-13eade79{display:flex;flex-wrap:wrap;margin-left:-10px;}.gb-grid-wrapper-13eade79 > .gb-grid-column{box-sizing:border-box;padding-left:10px;padding-bottom:10px;}

.gb-container-8c2c3db5{border:1px solid;background-color:#f5f5f5;}.gb-container-8c2c3db5 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-8c2c3db5{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-8c2c3db5 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-8c2c3db5{width:100%;}}

.gb-container-087aa978{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-087aa978 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-087aa978 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-087aa978{width:100%;}}

p.gb-headline-5e329b92{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}

Difference

p.gb-headline-2d3b5230{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}

Process duration

.gb-container-88b03551{border:1px solid;background-color:#f5f5f5;}.gb-container-88b03551 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-88b03551{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-88b03551 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-88b03551{width:50%;}}

.gb-container-82ef7ca6{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-82ef7ca6 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-82ef7ca6 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-82ef7ca6{width:100%;}}

p.gb-headline-9e39358f{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Debt Review

p.gb-headline-8f344f72{text-align:center;padding:10px;margin-bottom:0px;}

Depends on your personal circ*mstances

.gb-container-2fd456d7{border:1px solid;background-color:#f5f5f5;}.gb-container-2fd456d7 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-2fd456d7{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-2fd456d7 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-2fd456d7{width:50%;}}

.gb-container-dfda2c17{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-dfda2c17 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-dfda2c17 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-dfda2c17{width:100%;}}

p.gb-headline-005caafe{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Sequestration

p.gb-headline-03c3a06a{text-align:center;padding:10px;margin-bottom:0px;}

1 – 10 years depending on your personal circ*mstances

.gb-grid-wrapper-192d9c8f{display:flex;flex-wrap:wrap;margin-left:-10px;}.gb-grid-wrapper-192d9c8f > .gb-grid-column{box-sizing:border-box;padding-left:10px;padding-bottom:10px;}

.gb-container-063a0a99{border:1px solid;background-color:#f5f5f5;}.gb-container-063a0a99 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-063a0a99{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-063a0a99 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-063a0a99{width:100%;}}

.gb-container-9a6a86a4{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-9a6a86a4 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-9a6a86a4 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-9a6a86a4{width:100%;}}

p.gb-headline-157a130d{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}

Difference

p.gb-headline-20eaf4da{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}

After the process, your salary is yours

.gb-container-5db7ae86{border:1px solid;background-color:#f5f5f5;}.gb-container-5db7ae86 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-5db7ae86{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-5db7ae86 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-5db7ae86{width:50%;}}

.gb-container-7608e1c2{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-7608e1c2 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-7608e1c2 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-7608e1c2{width:100%;}}

p.gb-headline-934c6cce{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Debt Review

p.gb-headline-9e520325{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

.gb-container-1a8e4863{border:1px solid;background-color:#f5f5f5;}.gb-container-1a8e4863 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-1a8e4863{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-1a8e4863 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-1a8e4863{width:50%;}}

.gb-container-aa2993d2{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-aa2993d2 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-aa2993d2 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-aa2993d2{width:100%;}}

p.gb-headline-125c9549{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Sequestration

p.gb-headline-2c4c5033{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

.gb-grid-wrapper-977d44d8{display:flex;flex-wrap:wrap;margin-left:-10px;}.gb-grid-wrapper-977d44d8 > .gb-grid-column{box-sizing:border-box;padding-left:10px;padding-bottom:10px;}

.gb-container-413b656f{border:1px solid;background-color:#f5f5f5;}.gb-container-413b656f > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-413b656f{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-413b656f > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-413b656f{width:100%;}}

.gb-container-b1d518d8{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-b1d518d8 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-b1d518d8 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-b1d518d8{width:100%;}}

p.gb-headline-40d6b4bb{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}

Difference

p.gb-headline-3506a679{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}

You can take on new debt after the program

.gb-container-9647fbdb{border:1px solid;background-color:#f5f5f5;}.gb-container-9647fbdb > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-9647fbdb{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-9647fbdb > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-9647fbdb{width:50%;}}

.gb-container-38f66996{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-38f66996 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-38f66996 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-38f66996{width:100%;}}

p.gb-headline-55f6af60{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Debt Review

p.gb-headline-1622f809{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

.gb-container-388b8a3a{border:1px solid;background-color:#f5f5f5;}.gb-container-388b8a3a > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-388b8a3a{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-388b8a3a > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-388b8a3a{width:50%;}}

.gb-container-8447ab8e{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-8447ab8e > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-8447ab8e > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-8447ab8e{width:100%;}}

p.gb-headline-6b5c5ccf{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Sequestration

p.gb-headline-e4c0c4bc{font-size:40px;text-align:center;margin-bottom:0px;color:#44a24b;}

✓

.gb-grid-wrapper-75ef40d7{display:flex;flex-wrap:wrap;margin-left:-10px;}.gb-grid-wrapper-75ef40d7 > .gb-grid-column{box-sizing:border-box;padding-left:10px;padding-bottom:10px;}

.gb-container-f2b018bf{border:1px solid;background-color:#f5f5f5;}.gb-container-f2b018bf > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-f2b018bf{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-f2b018bf > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-f2b018bf{width:100%;}}

.gb-container-2a864447{border-bottom-width:1px;border-bottom-style:solid;background-color:#faf4d9;color:#000000;}.gb-container-2a864447 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-2a864447 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-2a864447{width:100%;}}

p.gb-headline-7ee80564{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;}

Difference

p.gb-headline-2140590e{font-size:15px;text-align:center;padding:10px;margin-bottom:0em;color:#000000;}

Average % of debt paid off

.gb-container-fd9148ed{border:1px solid;background-color:#f5f5f5;}.gb-container-fd9148ed > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-fd9148ed{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-fd9148ed > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-fd9148ed{width:50%;}}

.gb-container-ddc5e026{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-ddc5e026 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-ddc5e026 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-ddc5e026{width:100%;}}

p.gb-headline-6c69eb80{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Debt Review

p.gb-headline-c4c8740b{text-align:center;padding:10px;margin-bottom:0px;}

100% plus interest.

.gb-container-215b3a49{border:1px solid;background-color:#f5f5f5;}.gb-container-215b3a49 > .gb-inside-container{padding:0;}.gb-grid-wrapper > .gb-grid-column-215b3a49{width:33.33%;}.gb-grid-wrapper > .gb-grid-column-215b3a49 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-215b3a49{width:50%;}}

.gb-container-121559c1{border-bottom-width:1px;border-bottom-style:solid;background-color:#ffffff;}.gb-container-121559c1 > .gb-inside-container{padding:10px;max-width:1100px;margin-left:auto;margin-right:auto;}.gb-grid-wrapper > .gb-grid-column-121559c1 > .gb-container{display:flex;flex-direction:column;height:100%;}@media (max-width: 767px) {.gb-grid-wrapper > .gb-grid-column-121559c1{width:100%;}}

p.gb-headline-ee7fc99e{font-size:18px;font-weight:bold;text-align:center;padding-top:10px;padding-bottom:10px;margin-bottom:0px;color:#000000;}

Sequestration

p.gb-headline-1138d7bf{text-align:center;padding:10px;margin-bottom:0px;}

100% of secured debt, 20% of unsecured debt.

#kt-info-box_de8584-39 .kt-blocks-info-box-link-wrap{border-color:#f2f2f2;border-top-width:2px;border-right-width:2px;border-bottom-width:2px;border-left-width:2px;padding-top:24px;padding-right:24px;padding-bottom:24px;padding-left:24px;margin-top:50px;margin-bottom:30px;}#kt-info-box_de8584-39 .kt-blocks-info-box-link-wrap:hover{border-color:#73ae2c;}#kt-info-box_de8584-39 .kadence-info-box-icon-container .kt-info-svg-icon, #kt-info-box_de8584-39 .kt-info-svg-icon-flip, #kt-info-box_de8584-39 .kt-blocks-info-box-number{font-size:57px;}#kt-info-box_de8584-39 .kt-blocks-info-box-media{color:#C0C0C0;background:#ffffff;border-color:#eeeeee;border-radius:200px;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:20px;padding-right:20px;padding-bottom:20px;padding-left:20px;}#kt-info-box_de8584-39 .kt-blocks-info-box-media-container{margin-top:-75px;margin-right:0px;margin-bottom:20px;margin-left:0px;}#kt-info-box_de8584-39 .kt-blocks-info-box-media .kadence-info-box-image-intrisic img{border-radius:200px;}#kt-info-box_de8584-39 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:#73ae2c;background:#ffffff;border-color:#eeeeee;}#kt-info-box_de8584-39 .kt-infobox-textcontent h2.kt-blocks-info-box-title{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}#kt-info-box_de8584-39 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin:10px 0px 10px 0px;}

Debt Review – a trusted, proven approach to fix your debt
If your:
payments are in arrears, income isn’t enough to cover your debt, cash-flow is insufficient to cover your family’s living expenses and creditors are bothering you with constant phone calls.

Learn here why Debt Review is a sustainable and safe way to manage debt.

FAQs

FAQ? ›

A frequently asked questions (FAQ) list is often used in articles, websites, email lists, and online forums where common questions tend to recur, for example through posts or queries by new users related to common knowledge gaps.

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What do the letters FAQ stand for? ›

FAQ. Frequently Asked Question(s). When people say "the FAQ", they are generally referring to a list of answers to Frequently Asked Questions.

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What is the FAQ used for? ›

A frequently asked questions page—or an FAQ page for short—is a key part of a knowledge base because it addresses your customers' most common questions and is useful at all stages of the customer journey. FAQs start with a question and then provide a concise answer.

What does FAQ stand for on a website? ›

The letters (or word) FAQ stands for Frequently Asked Questions. A FAQ page is usually a list of common questions people have asked about a specific product or service.

What is the difference between FAQ and Q&A? ›

In FAQ Schema one question has only one answer but in Q&A schema, one question may have multiple answers. For example, let's take the example of What are the top 11 SEO Tools Every Marketer Should Use in 2023. This question could have multiple answers related to tools used by marketers for better SEO performance.

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What does FAQ mean? ›

/fæk/ used in writing to mean ' frequently asked questions. ' (a list of questions and answers about a particular subject, especially one giving basic information for users of a website)

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What is FAQ also known as? ›

An abbreviation for f requently a sked q uestion. A list that provides answers to common questions asked by visitors to a Web site .

Read On ›

Is it a FAQ or an FAQ? ›

If you pronounce FAQ as a word, the word starts with the consonant f so it's prefaced by a — as if it were a fack list. On the other hand, if you pronounce it eff-aye-kew, that pronunciation starts with a vowel, so it needs an.

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What does the Q stand for in FAQ? ›

FAQ is used especially on websites to refer to questions about a particular topic. FAQ is an abbreviation for `frequently asked question' or `frequently asked questions. '

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What is FAQ Internet slang? ›

Abbreviation of frequently asked questions.

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How is FAQ written? ›

It stands for frequently-asked questions, and it's a page on a website that gives quick answers to customer questions. The idea is to keep the answers short and direct so that people find info quickly. We write it as “an FAQ”… (“an eff-ay-cue”) instead of “a FAQ” (a “fack”).

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How to answer FAQs? ›

How To Handle FAQs Effectively

Keep the structure logical, clear, and simple.
Make sure the answers are straightforward and concise.
For detailed explanations, provide a link to a guide or article.
Regularly update questions and answers with new information.
Organize questions into categories.
Provide a search bar.

What is the point of FAQ? ›

What is the purpose of an FAQ page? An FAQ page is a quick way to provide valuable information to your audience with a useful organization of key information and answers to common questions.

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Why not to use FAQs? ›

Frequently Asked Questions (FAQs) can be overwhelming and leave your customers searching through a sea of content. Before creating a FAQ, think about what you are trying to say, what you want people to do with that information, and the most effective way to convey that information.

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Where should I put FAQ? ›

So there are several options to consider.

Main menu/top navigation bar. ...
Product pages. ...
The contact page is your last chance to provide visitors with answers before they contact you. ...
Footer is another popular place to put an FAQ page yet can be more difficult to notice for an inexperienced user.

Aug 11, 2023

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What does the FAQ refer to? ›

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What is the meaning of FAQ code? ›

An FAQ (Frequently Asked Questions) page is a key part of a knowledge base because it addresses the most common questions customers have and is useful to customers at all stages of the customer journey.