Debt Review
Overburdened by Debt?
Debt Review is a Legal Option Out!
Struggling with repayments, arrears, or constant calls from creditors?
Debt Review is a legal solution in South Africa that helps you reduce your monthly instalments and take back control of your finances.
Get a free, no-obligation assessment today.
Behind on monthly payments?
Getting calls from creditors?
Not enough money left after paying your debts?
You’re not alone – there is a way forward.
One affordable payment!
Legal protection and a clear path to becoming debt-free.
What is Debt Review?
Debt review is a legal process under South Africa’s National Credit Act that helps over-
indebted consumers reduce their monthly repayments while protecting their assets through a structured repayment plan.
It is regulated by the National Credit Regulator (NCR).
Debt Review Fees
Simple Breakdown
Application Fee: R50 once-off.
→ Covers your application.
Debt Counselling Fee: Up to R8,000 (single) / R9,000 (joint).
→ Professional restructuring and negotiations.
Aftercare Fee: 5% (max R450/month).
→ For ongoing support and payment distribution.
No upfront payments are required.
All fees are included in your monthly repayment.
Why Choose CreditSmart
for Debt Review?
- Get protection from legal action.
- Reduce your monthly debt repayments.
- Stop creditor calls and pressure.
- Pay one simple, affordable instalment.
- Protect your home and vehicle.
- Work with experienced, NCR-registered professionals.
Frequently Asked Questions
about Debt Review
How much does debt review cost?
Will debt review stop creditor calls?
Yes. Your debt counsellor handles communication with creditors once the process begins.
Can I take new credit during debt review?
No. This ensures you focus on repaying your current debt.
How long does debt review take?
It depends on your situation, but it provides a structured path to becoming debt-free over time.
What happens when I finish debt review?
You receive a clearance certificate and your credit profile is updated.
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
Why South Africans Trust CreditSmart
CreditSmart has received Top 5 Debt Counsellor nominations since 2019, is a DCASA member, and operates under the regulation of the National Credit Regulator (NCR).
