Our Services
Take Control of Your Financial Future
With National Debt Smart
Why Choose Us?
Debt can be stressful
and damaging to your future.
At National Debt Smart, we understand the pressure caused by unpaid accounts, judgments, and aggressive collections. Our mission is simple:
To empower individuals with lawful debt solutions that restore dignity, stability, and financial control.
We work with consumers across South Africa to resolve debt legally, transparently, and efficiently, always prioritizing your rights.
Debt Removal & Debt Resolution
We assist with the lawful removal or reduction of qualifying debts through negotiation, compliance checks, and statutory processes. Includes: Review of debt validity Identification of unlawful or unenforceable accounts Negotiation with creditors
Debt Review Assistance
Already under debt review or considering it? We help you understand your options, correct irregularities, and ensure your process complies with the National Credit Act (NCA). Services include: Debt review assessments Debt review removal (where legally possible) Rectifying incorrect debt review listings
Debt Mediation
We act as a neutral intermediary between you and creditors to reach sustainable repayment or settlement agreements—often avoiding costly legal action. Benefits: Reduced monthly obligations Improved creditor communication Faster resolution
Judgment & Legal Action Assistance
If a judgment has been granted against you, we help assess whether it was obtained lawfully and assist with appropriate remedies. Support includes: Judgment review Rescission guidance (where applicable) Negotiation of settlements
Credit Bureau Record Removal
Negative listings can block access to finance, housing, and employment. We assist with the lawful removal or correction of incorrect, outdated, or prescribed listings. Includes: Credit profile analysis Dispute assistance Removal of qualifying adverse records
Prescribed Debt Assistance
Many South Africans unknowingly pay debts that are legally prescribed. We help identify debts that may no longer be enforceable and advise on the correct legal process.
Garnishee (EAO) Removal
If your salary is being deducted through a garnishee order, we help assess its legality and assist with reduction or removal where appropriate. You may qualify if: The order was granted incorrectly Deductions are excessive Proper procedures were not followed
