• Be cautious of unsolicited offers that promise interest rate reductions or savings 
• Always ask for clear, written explanations before you agree to or sign anything
• Remember that debt review is a legal process and comes with restrictions on your ability to access further credit in the future Check that your debt counsellor is registered with the NCR (www.ncr.org.za)
• Report any suspected misrepresentation or unethical conduct to the NCR at complaints@ncr.org.za

Debt review is a valuable process when entered into knowingly and with proper guidance, but you should never be misled or pressured into it. Always verify the credentials of anyone offering debt review services, read all documentation carefully, and ensure your consent is informed and explicit.