Check if Debt Review could be an option for you.
A few straightforward questions about your income and debt. About two minutes, no cost, and no credit check.
No ID number. No commitment. Your pace.
Make this local to me
Use your approximate network location, or choose a province. We do not use your IP to guess your income or debt.
An initial assessment, not a guarantee of acceptance or a formal Debt Review application.
Your income.
Your debt.
Your next step.
A real operator.
Operated by AI Only Labs. Reach us at sales@wizeowl.today.
No formal application.
This check does not enrol you in Debt Review or contact your creditors.
Your choice of next step.
Ask for contact from our counsellor network, or use the guides at your own pace.
A SMALL FIRST STEP
You don’t need all
the answers yet.
Start with a rough picture of where you are. We’ll help you understand what a next step could look like.
Check my options- 01
Tell us a little about your situation.
Six questions about your income, debt and preferences. Estimates are fine.
- 02
Choose how you want to be contacted.
Read the privacy notice, add your details and decide whether to request a conversation.
- 03
Get a clearer starting point.
See your initial result and useful next steps. You have not applied for Debt Review.
THE PART WORTH UNDERSTANDING
Debt Review is a process.
Know what you’re agreeing to.
It can help restructure qualifying debt repayments. It does not erase what you owe, and access to further credit is restricted during the process. Formal debt counselling carries fees.
Understand Debt ReviewLESS JARGON. MORE USEFUL.
Money, a little clearer.
Debt Review · 5 MIN READ
Debt Review: what you need to know before you apply
The process, the trade-offs and the questions worth asking first.
Costs & decisions · 4 MIN READ
Is Debt Review free? Understand the costs first
A free enquiry and formal debt counselling are different things. Here is what to ask for in writing.
Know who you’re dealing with · 4 MIN READ
How to check a debt counsellor before sharing your details
A practical checklist for the first phone call, registration checks and paperwork.
FAIR QUESTIONS
Before you start.
No small print surprises. Here are the things people need to know.
Will this put me under Debt Review?
No. This is a preliminary screening using the answers you choose. We do not run a credit check, contact your creditors or submit a formal application. A registered debt counsellor would need to explain the formal process separately.
Is the assessment really free?
Yes. There is no charge for this online assessment. Formal debt counselling has fees. Ask for a written breakdown before signing an application.
Who is this assessment for?
South African adults who want to understand whether a Debt Review conversation may help. Our screening uses income and debt bands. These are this service’s referral criteria, not legal minimums for Debt Review.
What happens to my details?
You choose whether to request contact. Your completed assessment is saved securely through our service providers. Optional marketing consent is separate. Our privacy notice explains the information collected and your rights.
What if I am already under Debt Review?
Speak to your existing debt counsellor first. Check your current paperwork before making another application. This assessment does not remove an existing Debt Review status.