Debt Review Removal

Over-indebted consumers can apply with a registered Debt Counsellor to go under Debt Review to help him / her restructure their debt. Smart Finance will assist the consumer with the debt review removal.

Prescription of Debt

An account that is 3 years without any interruption. Smart finance consultants can be able to remove the accounts permanently. Only if there were no interruptions during the 3 years period.

Judgement Removal

A judgement is granted by the Court against a Consumer or Company when they have not honoured their payment arrangements with a credit/service provider. Smart Finance will assist with removing the judgement flag.

Lodging Dispute of fraud Accounts

If there any fraudulent account in the consumers profile, Smart finance will be able to lodge the dispute on behalf of the consumer.

Updating of paid accounts

This is where an account has been paid up but not updated with the credit bureaus, this is where Smart Finance will assist with updating/closing the account.

Negotiating with credit providers

This is where Smart Finance will help consumerʼs to further negotiate their repayment amount or get settlement amounts from the Credit Provider. Smart finance will only be able to restructure loan repayment amounts and terms before the Judgement is granted.

Removal of Defaults / Adverse Accounts

The failure to live up to the terms of a contract.

Garnishee Orders