Change of Circumstances While Paying Debt Review

Change of Circumstances While Paying Debt Review

Are you going through a situation that causes a change of circumstance and unaware of how to pay your debt review, it is important to know that there are resources in place to help you.

Many people who are in debt review don’t know what they can do should a change in income or an emergency expense arise.

What is classified as an Emergency?

As per Wikipedia, an emergency is a situation that poses an immediate risk to health, life, property, or the environment. Most emergencies require urgent intervention to prevent a worsening of the situation. It is an unexpected and usually dangerous situation that calls for immediate action.

  • Medical emergency involving yourself, your spouse, or children
  • A death in your immediate family unit
  • Property damage that requires a repair that happened due to storms
  • Vehicle damage or an urgent repair

Other change of circumstance includes:

  • Temporary loss of income.
  • Maternity Leave:
  • Incapacitating illness or injury:
  • Dismissal or retrenchment
  • Divorce

How to Handle an Unfortunate Event while paying off debt

If you have had a change of circumstance, you should call Doctor Debt on 039 976 0594 and speak to one of our friendly staff explaining your situation.

A solution to your problem will be discussed with you.

What the benefits are for People in trouble during Debt Review

A “change of circumstance” application will be sent to your Credit Providers.  If they agree your payment towards your Debt Review (PDA) can be reduced for a certain period, no longer than 90 days.

Note that credit providers reserve their rights to either accept or decline a “change of circumstance” based on a full assessment of the consumer’s profile and behavior within debt review. If a “change of circumstance” application is declined, credit providers reserve their right to terminate a credit agreement from the debt review process in terms of section 86(10) of the NCA or enforce the credit agreement where section 88(3) applies, in instances where the consumer is in default.

This is why it is important to speak to your Debt Counsellor before skipping a payment!


Follow these steps:

  • Call your Debt Review company.
  • Send any documents requested, a “change of circumstance” cannot proceed without the documentation.
  • Await a response.
  • Follow your Debt Counsellor’s instructions.
  • Co-operate.
  • Should the “change of circumstances” be accepted by the Credit Providers, you need to pay the agreed amount for the specified period. Do not extend the period or not pay at all.
  • As soon as you can, even before the agreed period is completed, pay your full payment towards your debt.
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