Blog Posts | CS Insure

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Debt Clearance Scam Alert: Verify Before You Pay

The CS Group, Janet Homann

Debt Clearance Scam Alert: Verify Before You Pay

You Contact Us — We Don't Cold-Call You for Business We want to alert our clients and members of the public to a potential debt clearance scam involving individuals who may claim to be associated with...

ITC Clearance Scam Prevention

Aug 20, 2026 ITC Clearance

The Law on Prescribed Debt in South Africa:

The CS Group, Janet Homann

The Law on Prescribed Debt in South Africa:

What Section 126B Protects: Section 126B prohibits creditors from selling, continuing to collect, or reactivating debts under credit agreements that have been extinguished by prescription under the Pr...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Dec 4, 2025 Our blog

Paid Your Default?

The CS Group, Janet Homann

Paid Your Default?

Here's What Happens Next Congratulations on settling your debt! But if you're expecting that default to vanish from your credit report immediately, you might be surprised to learn it doesn't work quit...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Nov 10, 2025 Our blog

Keeping Your Debt Review

The CS Group, Janet Homann

Keeping Your Debt Review

Maintain Your Payment Plan Progress If you're currently under debt review in South Africa, understanding how to protect your repayment plan is crucial for successfully completing the process. The Real...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Aug 14, 2025 Our blog

Should I Consider Debt Counselling?

The CS Group, Janet Homann

Should I Consider Debt Counselling?

A Compassionate Guide for Those Who Feel Overwhelmed By Janet Homann If you're reading this at 2 AM, unable to sleep because of financial worries, know that you're not alone. After 17 years of sitting...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Jul 31, 2025 Our blog

Understanding Debt Review:

The CS Group, Janet Homann

Understanding Debt Review:

A Heart for Truth in Financial Guidance. By Janet Homann At The CS Group, we've witnessed firsthand how financial struggles can weigh heavily on families and individuals. Over our 17 years of faithful...

#NCR2025 CS Clear Consumer Protection Debt Counselling Debt Help Debt Review Debt Solutions Financial Freedom Financial Wellness ITC Clearance Registered Debt Counsellor South Africa

Jul 30, 2025 Our blog

My Journey with CS Clear:

My Journey with CS Clear:

This is my story... By Maria Ntlakobe My name is Maria Ntlakobe, and I believe with all my heart that God orchestrated my path to The CS Group for a purpose far greater than I could have imagined. I s...

CS Clear ITC Clearance Maria Ntlakobe Success Stories Team Stories

Jul 28, 2025 Our blog

Why the NCR Cannot Remove Debt Review Status and the Importance of a Registered Debt Counsellor

The CS Group, Janet Homann

Why the NCR Cannot Remove Debt Review Status and the Importance of a Registered Debt Counsellor

The debt review process, which came into effect through legislation in 2007, is a valuable support system for many South Africans dealing with heavy debt burdens. While it offers hope, it can also lea...

Clearance Certificate Debt Review ITC Clearance

Nov 22, 2024 ITC Clearance

Points to Think About on Your Credit Record

The CS Group, Janet Homann

Points to Think About on Your Credit Record

Credit Profile: A Reflection of Your Financial Past The Impact of Your Credit Score on Financial Opportunities How Payment History Shapes Your Credit Record Credit Utilization Ratio: Why It Matters Le...

Fix Credit Report ITC Clearance Improve Credit Score

Nov 12, 2024 ITC Clearance

Exit Debt Review

The CS Group, Janet Homann

Exit Debt Review

Exiting debt review is not a simple cancellation. Once you’re in debt review, it remains on your credit record unless you meet specific conditions outlined by the law. Here’s what you need to know to ...

Clearance Certificate Debt Review Debt Review Removal ITC Clearance

Nov 12, 2024 ITC Clearance

Understanding the Importance of a Clearance Certificate in Debt Review

The CS Group, Janet Homann

Understanding the Importance of a Clearance Certificate in Debt Review

A Clearance Certificate is an important document for consumers who have completed debt review. It signifies that all financial obligations have been met under the credit agreements that were included ...

Clearance Certificate Debt Review ITC Clearance

Nov 11, 2024 ITC Clearance

Navigating Credit Issues: A Guide for Those Affected by Deregistration

The CS Group, Janet Homann

Navigating Credit Issues: A Guide for Those Affected by Deregistration

Dealing with credit issues can be overwhelming, especially when unexpected complications arise from situations like deregistration from an educational institution. We recently encountered a case where...

ITC Clearance

Oct 29, 2024 ITC Clearance

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