VHT Attorneys

If you have paid off your debt but your credit profile still shows a debt review status, you are not alone and you are not stuck.

Here is what most people do not know: settling your debt and legally clearing your debt review status are two completely separate things.

Your debt counsellor is legally required to issue what is called a Form 19, or Clearance Certificate, within seven days of your final settlement. That document is what tells the credit bureaus to remove the flag. Without it, the flag stays regardless of what you have paid.

If your debt counsellor has gone silent, or has not issued the certificate, VHT knows exactly what your next step is.

Call 012 880 3103 or visit vhtlaw.co.za.

Our team was at the DCASA Gauteng Branch Meeting on 26 May, and the discussions covered a lot of ground.

NCT debt re-arrangement standards, digital compliance expectations, DCASA's SACCRA membership application, credit bureau engagement, and what sustainable debt restructuring looks like in practice.

We have put together a full breakdown of the key insights from the day.

👉 Read the article here: https://vhtlaw.co.za/dcasa-gauteng-branch-meeting-may-2026-insights/

The difference between fixed-term and permanent employment is often understood as a simple label on a contract.

However, in practice, the distinction is based on how the employment relationship is structured and continues over time.

This visual explains the basic difference in a clear and accessible way.

If you are unsure how your contract is classified, it is worth seeking clarity before assumptions create problems later.