Why does my debt review application have to go to court?

The Debt Review process is a legal process governed by the provisions of the National Credit Act 34 of 2005. When your matter goes before a Magistrate you obtain a Court Order. Your Credit Providers including the banks have no option  but to abide by the terms and conditions of the said Court Order. Your Credit Providers are therefore obliged to accept the reduced instalments in terms of the Court Order.