Frequent short-term borrowing can hurt your bond application because lenders see it as a sign of financial instability, even if you make repayments on time

Consumers can get their lives back after going under debt review although the process is not easy

The debt counselling process is not always smooth, as a Durban homeowner who fell into arrears on her mortgage has discovered

Lenders big and small are slugging it out for the rands you are yet to earn as they race to issue unsecured loans at high interest rates

You need to find out the terms of your debt review first. You can also just pay off your debt quicker.

What to do if your debt review is terminated.