Having to pay multiple credit providers and keeping track of how much to pay each one can be daunting. On average, a credit active consumer must pay 9 different credit provider accounts
The solution lies in combining or consolidating all your instalments into one single debt repayment instalment. It will make life so much easier.
Get out of debt the CreditSmart way!
An expert debt advisor will give you a Free call back and also give you a Free Credit Report with a free Debt Assessment.Submit your detail now to speak to an Expert Debt Advisor
The benefits of debt review
- One single and affordable instalment
- The instalment is calculated based on how much you can afford
- Consolidation happens without additional loans
- Credit providers cannot take legal action against you
- Interest rates are reduced, helping you to get out of debt quicker
- Credit Profile Restored at the end of the process
- You get a free Credit Report
- You get a Dedicated Debt Advisors who will be there for you all the way.
You’ll also receive these exclusive benefits when signing up for debt review with CreditSmart
if you get retrenched, we have you convered by paying your monthly debt instalments for up to 12 months.
in the event of your death, we’ll settle your debt
Should you have a unplanned pregnancy, we’ll cover your debt instalmets during your maternity leave period up to 3 moths
Temporary Disability Cover
We’ll pay your debt instalmets for up to 12 months.
Identity theft Cover
it happens, but we’ve got you covered with a lumpsum to help you regain control
THE DEBT COUNSELLING PROCESS
Submit you detail hereonline. Take the first step.
One of our expert debt advisors will give you a call to facilitate the application
Your dedicated debt advisor runs through your budget with you to determine if debt counselling is the best solution for you, and whether you are over-indebted.
We calculate a preliminary instalment which you star to pay immediately.
Next,we notify all your credit providers and credit bureaux of you application for debt review and ask them for the latest outstanding balances.
A debt repayment plan is them calculated based on the latest balances. this is where your debt gets restructured.
Our expert attorneys then bring an aopplication to a court. They will ask the court to make the repayment plan a court order. You don’t need to be present unless the magistrate explicitly requests your presence.
You continue making payments until you debt is settled.
We issue a clearnce cerificate once your debt is settled. This is sent to all credit bureaux and will ensure that you can apply for credit again.
If you need help, please don’t hesitate to call and
we can help you through the process