Unfairly

I have a really hard time to understand how they could have put me under debt review if my circumstances did not go through an court order, i did some reading and asked some people in the field how it works, and according to them only the court can decide if im overindebted, so how can they just place me under debt review without an court order, i know my service was susspended and there were no funds to go to court, but shouldnt they have to wait for an payment and an court order before just deciding to put me under debt review, now my life is hell as im struggling to get someone to help me clear my name, they can quickly put you under debt review but cant help you in a situation like this, i want this sorted out otherwise im going to take serious steps, because according to me im not supose to be under debt review without an court order stating that?