Debt Review Journey Map
Explained in 3 Easy Steps!
Step 1 :
Apply to see if you Qualify & Activate the Process
- Complete a FREE debt assessment to see if you qualify for our NCR-recommended programme.
- One of our expert consultants will contact you to see what can work best to service your needs and financial commitments.
- If over-indebted and you agree and approve to start or continue the process – you’ll have to complete an application form and get the guidance needed to start your on-your-way-to-becoming-debt-free journey.
Step 2 :
Commit to Your Journey & Stay Protected
- Kickstart your journey with a qualified Debt Counsellor and credit accounts negotiator by
your side.
- Receive a personalised payment plan and application for an official court order.
- Your assets stay protected & your registered advisor handles any creditor harassment issue
on your behalf.
Step 3 :
Complete Your Process & Greetings to a New Financial Future
- Stick to your payment plan until you receive your Clearance Certificate (also known as a
Form 19).
- Your creditors and the credit bureaus will be notified to ensure the removal of your being- under-debt-counselling flag.
- Slowly but surely start building your credit score again and make sure you practice mindful money habits and management going forward.
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.