The debt review process is designed to protect you, but sometimes you may feel that your current debt counsellor isn’t meeting your needs. Maybe you’re unhappy with communication, or you want a counsellor who takes a more proactive approach. The good news is: yes, you can change debt counsellors in South Africa — but it must be done correctly to avoid delays or legal complications.
At MyWealth Capital, we often hear this question: “Can I switch debt counsellors without messing up my debt review?” The answer is yes, but you’ll need to follow the right steps.
Steps to Change Debt Counsellors
If you’ve decided to switch, here’s how to make the transition smooth:
1. Inform Your Current Debt Counsellor
It’s important to be transparent. Notify your current counsellor that you’d like to transfer your case. In most cases, they will need to issue a Form 17.7, which allows your file to be handed over.
2. Choose a New NCR-Registered Debt Counsellor
Always make sure your new debt counsellor is registered with the National Credit Regulator (NCR). This ensures your case remains compliant and protected under South African law.
💡 Tip: Ask your new counsellor for their NCR registration number before committing.
3. Handover Process by Your New Counsellor
Your new counsellor will:
- Contact your existing counsellor to request the file transfer.
- Notify your creditors, Payment Distribution Agency (PDA), and the credit bureaus.
- Take over communication on your behalf, ensuring there’s no gap in your protection.
Things to Consider Before Switching
While changing counsellors is possible, it’s important to understand the implications:
- If Your Case Is Already in Court
Switching can be more complex once your matter has been lodged in court. You’ll likely need additional legal paperwork, which can take extra time. - Unresolved Disputes or Complaints
If you’re in the middle of a creditor dispute or investigation, make sure it’s resolved before transferring. Otherwise, the process may stall. - Consistency Matters
Every time you change counsellors, there’s a handover period. This could delay your progress if not managed carefully.
Why Some South Africans Switch Debt Counsellors
You might consider changing debt counsellors if:
- You’re not happy with the level of communication or support.
- You feel your payments aren’t being managed properly.
- You want a counsellor with a better track record of getting clearance certificates issued quickly.
- You need someone who is more proactive in handling disputes or negotiations.