Rehabilitation After Sequestration

If your estate was sequestrated, you do not have to wait the full ten years for automatic rehabilitation. In most cases you can apply to the High Court from four years after sequestration — sometimes sooner — to be rehabilitated, ending your insolvency and the restrictions that come with it.

Rehabilitation restores you to the marketplace: you can obtain credit again, own assets outright and hold a directorship. It also updates your credit record — the sequestration listing is removed and your status reflects “rehabilitated”. We manage the process together with qualified attorneys.

What rehabilitation after sequestration includes

How it works

1. Free assessment of your sequestration and eligibility.
2. We gather the trustee documents and prepare your application.
3. The application is lodged in the High Court with jurisdiction where you live.
4. Once granted, we ensure your record is updated across the bureaus.

Who it’s for

This is for anyone who has been sequestrated and wants to close that chapter — typically from four years after sequestration once the trustee’s account is confirmed by the Master, or earlier in specific circumstances such as full payment of claims or an accepted composition.

Want the background? Read our guide: Rehabilitation After Sequestration: A Practical Guide.

New to this topic? Start with our guide: What is rehabilitation after sequestration?

Official resources

For official information you can rely on, these are the South African regulator and the registered credit bureaus:

• National Credit Regulator (NCR)
• TransUnion
• Experian
• XDS

Frequently asked questions

CleanCredit, a division of The Debt Company, assists with qualifying credit record matters in line with the National Credit Act. We do not provide loans or debt consolidation and cannot remove accurate, valid or current debt. No outcome is guaranteed; results depend on your circumstances.