How long does debt review last

Debt Review: From Financial Freakout to Fresh Start 🎉💸

Okay, debt. It’s not the most cheerful topic, but sometimes we all need a little help getting back on track. debt review – a process that might sound intimidating, but it’s actually your roadmap to financial freedom.

The Million-Dollar Question: How Long Does This Thing Last? ⏳

Drumroll, please! 🥁 Debt review usually lasts 3 to 5 years (36–60 months).

Think of it like learning a new skill or perfecting your dance moves 💃—it takes time, but the payoff is totally worth it!

Why the Time Range? Because Everyone’s Story is Unique! 📚

Here’s what shapes your debt review timeline:

• The Debt Dragon 🐉: How big is your debt mountain? Small hill or Everest-sized?

• Your Income Stream 💰: How much can you comfortably pay each month without living on instant noodles? 🍜

• Your Debt Counsellor’s Magic 🧙‍♂️: They negotiate with creditors to lower interest and get better terms.

• Your Consistency 🔑: Sticking to the plan is like following breadcrumbs in a fairy tale — don’t stray!

What Happens During Debt Review? Think Financial Rehab, Not Jail! 🏖️

Debt review isn’t a punishment — it’s a chance to reset your money habits and take back control. Here’s the fun part:

1. Your New Bestie 🤝: Your debt counsellor is your guide and cheerleader.

2. One Payment to Rule Them All 💳: No more juggling multiple bills — one monthly payment covers everything.

3. Legal Shield Activated 🛡️: Creditors can’t hound you or take legal action while you’re in the program. Sweet relief!

4. Financial Detox Time 🚫💳: No new debt allowed — time to break bad habits and build better ones.

Want to Speed Things Up? Turbocharge Your Debt Repayment! 🚀

Got a bonus, raise, or side hustle? Throw that extra cash at your debt and finish sooner! 💥 Every extra rand is like adding fuel to your financial rocket ship.

The Grand Finale: A Debt-Free Celebration! 🎉🎓

When you’ve paid off everything, you get a clearance certificate — your official “I’m free!” badge. Your credit record gets a fresh start, and you can rebuild your financial future like a boss. 👑

Why Debt Review Is Actually a Fresh Start 🌅

• Stress Less 😌: No more scary calls or sleepless nights.

• Skill Up 📈: Learn budgeting and money management like a pro.

• Take Control 💪: Reclaim your financial power and build a brighter future.

Fun Fact 💡

Debt review is like hitting the reset button on your finances! 🔄

The Bottom Line: Patience + Persistence = Freedom 🏁

Debt review is a journey, not a sprint. Stay committed, celebrate every win 🎊 (big or small), and remember: every payment brings you closer to your goal. Soon enough, you’ll be waving goodbye to debt and saying hello to financial freedom! 🙌💸