The National Credit Act stops your credit providers from taking legal action against you to recover the debts included in your application, as long as you keep up with your agreed repayments.

This is the average time your first consultation takes, though yours may be shorter or longer depending on your situation.

Governed by the National Credit Act and overseen by the National Credit Regulator (NCR). That means there are legal rules on fees, on how your repayment plan is set up, and on how your credit providers must treat you during the process.