National
Debt Smart
We provide ethical, compliant, and results-driven personal debt solutions tailored to your unique situation.
Call Us Today
National Debt Smart
Are You Blacklisted?
Or Struggling with Debt
National Debt Smart is a professional debt consulting firm dedicated to helping South Africans regain financial freedom. We specialize in personal debt advisory, debt removal, debt review, mediation, judgment resolution, credit bureau record removal, prescribed debts, and garnishee (emoluments attachment order) removal. If you are overwhelmed by debt, legal action, or negative credit records, our experienced advisors provide ethical, compliant, and results-driven financial solutions tailored to your unique situation.
What We Do?
Helping South Africans Break
Free From Debt
Garnish Removal
If your salary is being deducted through a garnishee order, we help assess its legality and assist with reduction or removal where appropriate.
Debt Mediation
We act as a neutral intermediary between you and creditors to reach sustainable repayment or settlement agreements—often avoiding costly legal action.
Debt Review
Already under debt review ? We help you understand your options, correct irregularities, and ensure your process complies with the National Credit Act (NCA).
Credit Bureau Record Removal
Negative listings can block access to finance, housing, and employment. We assist with the lawful removal or correction of outdated listings.
Testimonials
Happy Customers
Google Reviews
Happy Customers
Satisfaction Rate
Pindile Zondo
Garnish Removal
“Holisticly pursue market-more that synerg through innovative paradi. Enthusia productivate media”.
Martha Van Der Klerk
Debt Review
“Holisticly pursue market-more that synerg through innovative paradi. Enthusia productivate media”.
Simpiwe Shezi
Mediation
“Holisticly pursue market-more that synerg through innovative paradi. Enthusia productivate media”.
Philipa Roen
Debt Review
“Holisticly pursue market-more that synerg through innovative paradi. Enthusia productivate media”.
Team Member
Let’s Meet with Our Consultants
Pinky Majola
CEO
Monalisha Shen
IT-Executive
Bubli Khanam
Developer