---
title: Benefits of Debt Review, the National Credit Act and duties of the debt client
description: "**The benefits of Debt Review** - One Affordable repayment plan - No more multiple debit order - Lower interest rate  negotiated by debt counselor - All installments reduce up to 50% - Legal and asset protections - No more harassment…"
url: "https://myezhub.co.za/knowledge/benefits-of-debt-review-the-national-credit-act-and-duties-of-the-debt-client/"
updated: "2023-04-10"
category: Debt Review Training
---

# Benefits of Debt Review, the National Credit Act and duties of the debt client

**The benefits of Debt Review**

- One Affordable repayment plan
- No more multiple debit order
- Lower interest rate  negotiated by debt counselor
- All installments reduce up to 50%
- Legal and asset protections
- No more harassment from creditors
- Suitable house hold budget
- Clear credit record after completing debt review 

**Objectives of the National Credit Act**

- Provide all SA with access to credit
- Protect consumers  from reckless credit providers
- Prevent creditors from taking reckless credit decisions
- Assist consumers who is over-indebted

**Duties of the debt client**

- While under  debt review the client may not apply for new credit agreement
- The client must comply with the instructions provided by the debt counselor
- Should the client act outside of the instructions his debt review may be terminated
- when a debt review is terminated  and all protection provided by the act will be fall away