Debts under R50,000
Administration Order
We file with the Magistrate's Court to restructure your debt into a single, affordable monthly payment — with the court's protection behind it.
Magistrate's Court filingNCR Registered Debt CounsellorsCouncil for Debt Collectors Compliant
There is a charted route out of debt — and we've walked it before.
Since 2006, BlueBear Debt Relief has plotted the way through restructuring, negotiation and legal process for individuals and businesses across South Africa — protecting the house, the car, the business, at every waypoint along the way.
No cost, no obligation. First consultation confidential.
Track record19+ yrs
Flag clears in7–21 days
Issued on closeForm 19
Route statusCase 04471 — active
About BlueBear
Founded in 2006 to give over-indebted South Africans a transparent, ethical way back to solvency.
BlueBear Debt Relief assists individuals and businesses to manage unsustainable liabilities through restructuring, negotiation and, where necessary, legal process. We hold established relationships with South Africa's major credit providers, which lets us negotiate realistic payment plans that protect the assets that matter most — your house, your car, your business.
Beyond debt review, we provide expert legal and administrative services to remove the debt review "flag" from credit reports. We specialise in obtaining Clearance Certificates (Form 19) for consumers who have settled their debt, and in legal applications for anyone placed under review incorrectly or no longer over-indebted.
Debt relief exists in South African law because of it: the National Credit Act 34 of 2005 was government's answer to rising over-indebtedness. Everything we do is built on that framework — not around it.
2006
Established
R2,000
Typical file cost
R3k–8k
Court application range
Formal debt relief options
Three routes out of over-indebtedness — we'll tell you which one's yours.
Every case is assessed on its facts. A registered consultant confirms which of the following applies to you before any process begins.
NCR-regulated
Debt Counselling
A regulated process that reduces your monthly payments and gives you legal protection against creditor action. BlueBear is registered with the National Credit Regulator.
NCR registration held3+ years unpaid
Prescribed Debt
Under guidance from the National Financial Ombuds Scheme, debts older than three years that you haven't acknowledged or paid can be legally unenforceable.
Ombud-aligned assessmentOnce your debt is settled
Clearing the flag from your credit record
A cleared debt should not follow you. These are the services we run once your repayment plan is complete or your circumstances have genuinely changed.
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Clearance Certificate procurement
We issue your Form 19 the moment your debt is confirmed settled in full.
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Court application — Form 17W
Rescinding a Magistrate's Court order for clients demonstrably no longer over-indebted.
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Credit bureau disputes
Where a flag remains 30 days after clearance, we escalate directly with TransUnion and Experian.
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Debt relief assessment
A confidential review of whether you currently qualify for removal at all.
The route
Seven waypoints, start to clearance.
The order matters — each waypoint protects you legally before the next one begins.
01
Waypoint 01 — Contact
Contact us for a confidential valuation
A consultant reviews your situation and provides a confidential debt valuation — no cost, no obligation.
02
Waypoint 02 — Consent
Sign a Consent Application Form
This authorises us to access your credit report so we can see the full, accurate picture of what you owe.
03
Waypoint 03 — Notify
We contact your creditors
We notify every creditor that we're acting on your behalf and request an immediate halt to any legal action under the National Credit Act.
04
Waypoint 04 — Negotiate
Negotiate settlement or a new payment plan
This is the core of what we do — assessing prescription, negotiating settlement, and restructuring a repayment plan that's actually affordable to you.
05
Waypoint 05 — Resume
Move to an affordable monthly instalment
Once the above is handled, you resume paying a single affordable instalment — or we request a paid-up letter from your credit providers.
06
Waypoint 06 — Protect
The plan becomes an order of court
Where a new plan is approved, our attorneys apply to the Magistrate's Court to make it an official court order — keeping you protected throughout.
07
Waypoint 07 — Clear
Debt paid, credit record cleared
A clearance certificate is issued and the credit bureaus are notified to clear your record. You are free of debt.
Who keeps us honest
Regulated at every step — so you never have to wonder.
Debt relief and collection in South Africa is governed by statute, not goodwill. Here's the framework BlueBear operates inside of.
Council for Debt Collectors CFDC
Established under the Debt Collectors Act 114 of 1998. Sets the code of conduct, regulates fees, and handles complaints of unfair treatment, illegal fees or harassment for non-attorney debt collectors.
National Credit Regulator NCR
Regulates credit providers and debt counsellors under the National Credit Act, with specific oversight of the formal debt review process. BlueBear is a registered debt counselling practice.
Filing a complaint
Any consumer can lodge a complaint regarding unfair treatment, illegal fees or harassment directly with the Council for Debt Collectors.
Attorney exemption
Attorneys collecting debt are exempt from CFDC oversight but remain governed by their respective provincial Law Society.
Your consultant
Trained specifically to get you out of debt — not deeper in.
Our financial consultants are trained to manage debt, build real budgets, and grow your financial literacy so the problem doesn't return. They're waiting for your call.
＋ Credit repair & ongoing monitoring
＋ Direct negotiation with creditors
＋ Personalised debt repayment plans
＋ Relief from unfair listings
＋ Practical, working budgets
＋ Education on financial products
＋ Advice on your consumer rights
＋ Access to hardship & government assistance
Your debt has a charted exit. Let's plot it.
Waypoint 01 of 7 — a confidential valuation, no cost to start.