Debt review is a legal process and all debt review applications eventually go either to a court or to the National Consumer Tribunal (NCT).
A Debt Counsellor gets information from both the consumer applying for help and the credit providers who are expecting repayment and then makes a realistic repayment proposal to a Magistrates Court.
It is the Magistrates Court that makes an order both declaring that the consumer is “over indebted” (so qualifies for debt review) and restructures the consumer’s debts to a more manageable monthly amount.