When it comes to dealing with debts and managing your money, getting a clearance certificate is really important. Recently, our South African company, CS Clear, has been getting many questions from people. They applied for debt review or debt counselling, settled all their debts, received a Form 19, but still noticed a debt review flag on their credit profile. To make things clearer, our head of ITC Clearance Department, Mrs. Maria Ntlakobe, shared some helpful information with us.

Understanding the Rules:

To get a clearance certificate, you need to follow Section 71 of the National Credit Act. Only a registered debt counsellor can give you a Form 19 which is a clearance certificate.

A Real-Life Example:

Let’s look at a situation Mrs. Ntlakobe told us about. Someone asked their debt counsellor for a clearance certificate. The Debt Counsellor provided the client with a Form 19 which is a clearance certificate.

Important Reminder: Lawyers Can’t Do It All:

It’s crucial to know that lawyers can’t remove debt review status from your credit report. Only a registered debt counsellor has the power to give you a Form 19 or a clearance certificate. A lawyer can cancel a debt review order by applying to court, but it won’t clear your name from the credit bureau. Or removed from your credit.

Common Problems:

The standard Form 19 may seem easy, but it’s missing some important things that credit bureaus and credit providers look for. Mrs. Ntlakobe stressed how necessary it is to have the following;

  • Certified stamped clearance certificate.
  • Paid-up letters from every credit provider.
  • A Form 17.W (Provided by the Debt Counsellor)
  • And a DHS report from the NCR Debt Help System.

If you don’t do the right steps, these documents are really important and can make it take longer to get your name off debt review.

What You Can Do:

To deal with this issue, Mrs. Ntlakobe suggests a thorough approach to ITC clearance. We can help you remove your debt review status the right way by firstly;

  • Making sure that you qualify to exit the debt review process.
  • Ensure settling all credit agreements and obtaining paid-up letters, except in the case of a home loan.
  • And all the required documents in place.

Some ITC Clearance companies charge a fortune to remove debt review statuses, we have 3 options you can choose from. And we have payment options as well.

You can book a consultation with one of our consultants


Our contact number is 057 352 4115 which is also our WhatsApp number.

CS Clear is a trusted ITC Clearance company, a division of CS Debt Counselling. Our office address is 149 Constantia Road, Dagbreek, Welkom. We do virtual consultations as well and we have helped clients all over South Africa to clear their names.

Bernidene Thieroff, our registered debt counsellor, registered with the National Credit Regulator (NCR). Her NCR Registration Number is NCRDC 764. At CS Clear, she serves as the authorized Debt Counsellor who issues the Form 19 (Clearance Certificate).

Myth: A lawyer can remove debt review. Fact: Only a registered Debt Counsellor has the authority to remove debt review. The debt counsellor needs to follow specific steps, including issuing a Form 19 (Clearance Certificate) with important documents, to officially remove an individual from debt review. Lawyers may assist in legal matters related to debt, but the formal process of removing someone from debt review is within the purview of a Debt Counsellor.


Sorting out your finances might feel like a maze. CS Clear is here to help anyone confused about getting their names cleared.

Simply, if you do things right and keep your paperwork in order, you can discover new chances you might have overlooked before. And remember, trust only registered debt counsellors when it comes to removing your debt review status.