Debt review is a formal debt rehabilitation program that restructures your repayments into one affordable amount.
No. Debt review is designed to protect your assets while making repayments manageable.
Once the process starts and is approved, creditors must deal through your debt counsellor.
It depends on your debt amount and affordability, but typically 3–5 years.
Yes, temporarily. However, it is better than judgments, repossessions, or blacklisting.