Call Us: 0860061008 E-Mail Us: info@smartdebtadvisors.co.za

How It Works



Step 1
Simply complete the short online form. Once you have submitted the form, you can expect to receive a call the same day(We aim to call you within 3 hours). The entire process will be done over the phone or via email.

Step 2
We will proceed by conducting a formal assessment. If your monthly expenses exceed you monthly income than you are over-indebted and qualify for debt review.

Step 3
We will then inform ALL your credit providers including the credit bureaus that you are under debt review, your credit providers will not be able to take legal action against you for 60 working days. We will then request balances from your credit providers. (Certificate of balance)

Step 4
Once we have received the balances from your credit providers, we will proceed with an affordable debt repayment plan tailored to your needs. We will negotiate this repayment plan with your credit providers.

Step 5
Since this is a legal process, our attorneys will work on your behalf to make your affordable plan a court order. But don’t worry, there will be no need for you to appear at court unless a magistrate’s requests for your presence.

 
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