Your Financial Recovery Toolkit
Taking the first step is often the hardest.
These free resources will help you understand debt counselling, prepare your application, and know exactly what to expect as you move from fear to freedom.
1
Introduction to the Debt Counselling Process
Your first step to understanding debt review
If you're considering debt counselling, this guide explains what to expect from start to finish. It outlines the debt review process in simple terms, including the financial assessment, creditor negotiations, repayment plan, legal protection, and what happens once you become debt-free. A great place to start if you're unsure how debt counselling works.
2
Debt Review Document Checklist
Everything you'll need to prepare your application
This checklist outlines all the documents required to process your debt review application efficiently, including proof of income, bank statements, creditor information, and identification documents. Gathering these documents beforehand helps avoid delays and allows us to assess your financial situation as quickly as possible.
3
Form 16 – Application for Debt Review
The official application form for debt counselling
Form 16 is the prescribed application used to begin the debt review process in terms of the National Credit Act. Completing this form allows us to assess your financial situation and determine whether you qualify for debt review. You can download and complete it before your confidential assessment to save time.
You don't have to make any decisions today.
Let's start with a free, confidential conversation about your situation.
Together we'll explore your options and help you understand whether debt counselling is the right path for you.
Let's talk...
No pressure.
No obligation.
Just honest guidance.
© 2026 Silentia Specialised Counselling PTY (Ltd)
NCRDC4661
📧 debt@silentia.co.za
📞 082 576 5720