Debt Counselling
The solution lies in combining or consolidating all your instalments into one single debt repayment that protects your assets and gives you immediate money relief to better attend to your living costs.
Are you struggling with:

Overwhelming debt.

Sudden income reductions.

Unexpected financial costs and pressures.
The Benefits of Debt Counselling with CreditSmart, a NCR-Approved Company:
- One single and affordable instalment.
- Calculated instalment on how much you can afford.
- Consolidation happens without additional loans or debt.
- Credit providers cannot take legal action against you.
- Interest rates are reduced, helping you to get out of debt faster.
- Credit Profile can slowly but surely be rebuilt after the process.
- You get dedicated Debt Advisors who will be there for you all the way.
Our Debt Counselling Journey Map for your Success!
Frequently Asked Questions
What is the first step in the Debt Counselling process?
How long does the Debt Counselling process take?
Will my credit score be affected by Debt Counselling?
Can I apply for new credit while under Debt Counselling?
What happens if my financial situation changes during the Debt Counselling process?
What Our Clients Say
I would like to thank Miss Lerato Motau for the explanation and excellent customer service in helping me with my financial issues. She has guided me, suggested what my plan was and what I can afford, sent me the Debt Review application forms to fill in, and guided me, explaining everything that your company does and what you offer.
Nomaswazi
Hi… You guys are a great team of professional (Debt Review) advisors. The consultant I spoke with was very helpful and great service is very rare, I would like to say thank you so much for the advice and hope you guys keep on doing this to everyone .. YOU’re Awesome!
Nosiphiwo
Lerato Motau, from CreditSmart, is an exceptionally professional individual. She not only understands debt, but she also understands people. She is quick to respond to enquiries and goes the extra mile when required. Debt Review – a difficult process for customers made a little easier when staff of this calibre are helping us. Excellent!
Storm
I was assisted by David Chanza. A very helpful and patient gentleman who took his time to get me an accurate quotation and to explain what the (Debt Review) process would entail.
Pearl
You had me bursting out in tears when my clearance email came through… THANKS BE TO GOD. Dealing with CreditSmart has been a true blessing and walking this Debt Review journey with CreditSmart has been the best decision I have ever made. Thank you for treating me with so much respect and dignity.
Sheila
Get out of Debt, the #CreditSmart way!
Our solution can restore your credit profile and get you out of debt:
- Improved Monthly Cash Flow
- Remove Debt, Anxiety & Financial stress.
- Get rid of Creditor harassment calls & threats.
- Not keeping up with payments. / In arrears with your accounts already.
CreditSmart is here to help you take back control of your financial situation through various products and services specifically designed to address each phase of the credit to debt life cycle.