a) A consumer must qualify for the protections granted under debt review, in that he must, on the balance of probability, be proven to be over-indebted.

b) There is no limit placed on the amount of debt that a consumer may have in order to be placed under debt review.

c) No legal action may be instituted against the consumer for 60 business days from the date of his application for debt review. If legal action has already been instituted, these credit agreements must be excluded from any payment proposal.

d) No possessions under the credit agreements under review may be attached or repossessed by the credit provider or his representatives.

e) All credit bureaux are advised of the consumers’ debt review status and no further credit will be granted to the consumer until he is issued with a clearance certificate by any registered debt counsellor.

f) A consumer may not use any credit facility granted to him whilst under debt review.

g) Credit providers may not harass a consumer whilst under debt review and all queries should be directed to the debt counsellor.

h) In order to enjoy the protection of debt review, a consent order must be granted by a Magistrates Court which has jurisdiction in the consumers’ residence and the consumer must adhere to the payment schedule agreed to.