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Are You Ignoring Debt Hoping It Will Go Away?

It Won’t!

Every day you wait, your options shrink.

But it’s not too late to act.

Unpaid debts add up fast — and can cost you:

  1. Legal Letters.
  1. Repossession.
  1. A ruined credit score.

Watch This 60-Second Message From Our Team.

CreditSmart has helped real South Africans just like you.

Watch this 60-second message and learn what registered debt expert Wikus Olivier has to say.

Then book your FREE, no-pressure consultation today.

Book your FREE, no-pressure consultation today.

What Our Clients Say

The Benefits of Debt Management with Creditsmart (NCR-Approved):

  1. One single and affordable instalment.
  1. Calculated instalment on how much you can afford.
  1. Consolidation happens without additional loans or debt.
  1. Credit providers cannot take legal action against you.
  1. Interest rates are reduced, helping you to get out of debt faster.
  1. Credit Profile can slowly but surely be rebuilt after the process.
  1. You get dedicated Debt Advisors who will be there for you all the way.

It takes less than 60 seconds to get started.

Frequently Asked Questions

How can one affordable monthly instalment really make life easier?
It simplifies everything: no more juggling multiple bills or due dates. One manageable payment gives you breathing room and control.
What’s different about consolidating without a loan or new debt?
It means you’re not borrowing more money, just restructuring what you already owe into something sustainable.
Can this process actually lower the interest I’m paying?
Yes. We work with your creditors to negotiate reduced interest rates, so more of your money goes toward settling your debt.
Will I get expert help along the way?
Absolutely. Our advisors are fully registered with the National Credit Regulator (NCR) and here to guide you every step of the way.
What’s a calculated instalment, and how does it help me?
We assess your income and expenses to create a realistic monthly plan – one you can actually afford, without sacrificing your essentials.
How does CreditSmart protect me from legal action?
We work with a trusted network of NCR-compliant attorneys to help shield you from creditor pressure and legal proceedings once your plan is active.
Can I rebuild my credit profile through this process?
Yes. By staying on track with your new repayment plan, you begin repairing your credit profile. Over time, the negative flag is removed – helping you rebuild your score and regain financial freedom.

Get A Free, No-Obligation
Debt Relief Consultation