If creditors are calling and your salary disappears before you buy groceries, we can legally help you get one payment, peace, and an end date.
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BackBackBackBackBackWe've seen your situation before — and we know the way out...
NEXT STEP: Get Your FREE Debt Protection Assessment (No Obligation)
Find out your single new monthly paymentPut legal protection around your car and homeSilence the creditor calls properly — not temporarilyGet a real date when you'll be debt-free
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Thank you! A registered CreditSmart debt advisor will contact you shortly to discuss your free assessment.
Based on your answers, we may not be the right solution for you at this time. But that doesn't mean there aren't other options available.
If creditors are calling and your salary disappears before you buy groceries, we can legally help you get one payment, peace, and an end date.
Step 1 of 12
Select your province
BackBackBackBackBackWe've seen your situation before — and we know the way out...
NEXT STEP: Get Your FREE Debt Protection Assessment (No Obligation)
Find out your single new monthly paymentPut legal protection around your car and homeSilence the creditor calls properly — not temporarilyGet a real date when you'll be debt-freePlease enter your first nameBackQuick contact
Please enter a valid phone number (at least 10 digits)BackYour data is secure & confidentialThank you! A registered CreditSmart debt advisor will contact you shortly to discuss your free assessment.
Based on your answers, we may not be the right solution for you at this time. But that doesn't mean there aren't other options available.
"Thank you very much for being on my side. I really appreciate your support, and I will recommend you all the time."
— M. Caroline
"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 process would entail."
— Pearl
"Credit Smart is helpful and kind. They do a very detailed job and assist you if you have a question that you don't understand."
— JackHOW WE HELP
We help over-indebted South Africans legally reduce their monthly repayments and regain financial stability — without losing what matters most.
We help combine your debt into one structured repayment plan that fits your real budget.
We legally protect you from creditor harassment and unnecessary legal action.
While you honour your repayment plan, your important assets receive legal protection.
Work towards becoming debt free with a structured plan and a real end goal.
ABOUT CREDITSMART
We're an NCR-registered debt counselling company focused on helping over-indebted South Africans legally restructure their debt and rebuild financial stability.
Debt affects more than your finances — it affects your sleep, your family and your peace of mind. Our role is to guide you through a regulated relief process that reduces financial pressure while protecting your important assets.
Every client works with a dedicated debt advisor who explains the process clearly, negotiates directly with creditors, and supports you every step of the way.
How It Works
No confusing paperwork. No pressure. Just clear guidance from a registered debt advisor.
Share your current financial situation and the accounts you're struggling to manage.
A CreditSmart debt advisor reviews your situation and gives an honest answer about the best way forward.
If you qualify, we help structure one affordable repayment plan and negotiate directly with your creditors.
One free call with a registered CreditSmart debt advisor could be the first step toward financial relief.
