DEBT MEDIATION
-Not reflected on credit bureaux
-Can exclude spouse married ICP
-Consolidates monthly instalments into one
-Does not reduce interest rates
-Does not include house or car repayments
-One monthly amount is paid
into attorney trust account for distribution
DEBT REVIEW
-Reflects on credit bureaux until removed
-Spouse married ICP must be included
-Consolidates monthly instalments into one
-Reduces interest rates
-Includes house and car repayments
-One monthly amount is paid into Payment Distribution Agency for distribution
SEQUESTRATION
-Reflects on credit bureaux until
removed
-Spouse married ICP must be
included
-Consolidates all debt owing
-Interest rates not applicable
-House (and usually car) to be
sold
-All funds are paid to the curator appointed by the High Court
GENERAL LEGAL SERVICES
Legal issues can arise at any stage of life. Our prepaid legal support offering gives you access to professional legal guidance without the high costs typically associated with legal services.
With this service, you and your family gain access to qualified legal professionals who can assist with everyday legal matters and ensure your rights are protected.
What the service includes:
One-on-one consultations with a legal advisor
Professional legal guidance and recommendations
Assistance with communication and negotiation with third parties
Guidance on legal documents such as contracts and wills
Preparation of basic legal documentation
Advice on workplace-related matters
Credit-related legal guidance
Where necessary, matters requiring court proceedings will be referred to qualified attorneys for further handling.
CREDIT AMNESTY & CREDIT RECORD GUIDANCE
Clearing your credit profile is an important step—but it does not eliminate the responsibility to repay outstanding debt.
South African regulations allow for the removal of certain negative credit information once debts are settled, giving consumers the opportunity to rebuild their financial standing.
Key points to understand:
Negative listings may be removed once accounts are settled
Credit bureaus update records in line with regulatory requirements
Historical payment behaviour may still reflect for a limited period
A clean record improves access to employment and finance opportunities
While these changes provide relief, responsible financial behaviour remains essential to maintaining a strong credit profile.
CREDIT EVALUATION
Your credit report plays a critical role in your financial future. Negative listings such as defaults, judgments, and debt review can impact your ability to access credit.
At National Credit Assist & Partners, we assess your full credit profile and identify opportunities to improve how you are viewed by credit providers.
Our tailored approach focuses on correcting, updating, and restructuring your credit information where possible—helping you rebuild credibility in the financial system.
CREDIT ASSESSMENT
If you’ve been declined for credit, we help you understand why.
This service includes a detailed review of your credit profile to identify the exact factors affecting your application outcomes.
What we do:
Analyse your credit bureau profile
Identify negative or outdated listings
Explain how lenders assess your profile
Provide actionable solutions to improve your standing
With your consent, we conduct a full credit check to give accurate, practical recommendations.
RESTRUCTURING SOLUTIONS
Debt doesn’t have to control your life. With the right structure, you can regain financial breathing room.
We assist in negotiating more manageable repayment terms with credit providers, helping you reduce monthly pressure and improve cash flow.
Benefits include:
Lower, more affordable repayment arrangements
Improved credit profile over time
Reduced financial stress
Structured path toward becoming debt-free
Our team engages directly with financial institutions on your behalf to secure workable solutions.
ONGOING SUPPORT
Our relationship with you doesn’t end after restructuring.
We provide continued support throughout your repayment journey, ensuring that agreements remain in place and are respected by credit providers.
Support includes:
Ongoing negotiation where needed
Assistance if creditors or collectors apply pressure
Dedicated support consultants
Continuous monitoring of your progress
Clients also gain access to a legal support service offering telephonic guidance on a wide range of legal matters, including contracts, labour issues, family matters, and more.
DEBT RESOLUTION OPTIONS
Many consumers believe debt review or administration is the only solution—but there are alternatives.
We offer customised strategies designed to help you resolve debt more efficiently, depending on your financial situation.
Our process includes:
Full financial assessment
Budget analysis (income vs expenses)
Review of current debt obligations
Guidance on alternative solutions
Where appropriate, we assist with exiting debt review through proper legal channels and restructuring repayment agreements accordingly.
LEGAL CREDIT SOLUTIONS
Our B-Legal division focuses on addressing serious credit challenges such as:
Judgments
Administration orders
Defaults
Garnishee orders
Debt review status
These listings can severely impact your ability to access credit, secure employment, or maintain financial independence.
We work to:
Improve or resolve negative listings where possible
Engage with credit providers on your behalf
Guide you through the process of restoring your creditworthiness
Important to note:
Simply paying off debt does not automatically clear your credit record. Proper processes must be followed to update or remove listings.
Without intervention, negative records may remain for several years and continue affecting your financial opportunities.
SERVICES OFFERED
Comprehensive Credit & Debt Solutions in South Africa
At National Credit Assist & Partners, we provide structured, practical solutions designed to help you improve your credit profile, manage debt effectively, and regain financial control.
Debt Review Removal
Guidance on exiting debt review and rebuilding your credit profile
If you are currently under debt review and looking for a way forward, we help you understand your options and navigate compliant exit processes where applicable.
What this includes:
Full credit profile evaluation
Guidance on debt review exit options
Alignment with legal and regulatory processes
Step-by-step support throughout the process
Currently Under Debt Review
Support and clarity for consumers already under debt review
Being under debt review can feel restrictive. We help you assess your current position and explore possible next steps.
What we assist with:
Review of your current debt review status
Explanation of your rights and obligations
Alternative strategies where applicable
Ongoing support and guidance
Debt Management Solutions
Structured plans to help you regain control of your finances
We assist in organising and managing your debt through practical, tailored strategies.
Key features:
Personalised repayment planning
Budget structuring and cash flow guidance
Engagement with creditors where needed
Ongoing progress tracking and adjustments
Blacklisted / Adverse Credit Assistance
Support to improve and rebuild your credit standing
If your credit profile has been negatively affected, we help you understand the situation and take steps toward improvement.
Our approach includes:
Review of negative listings
Guidance on resolving or updating records
Credit profile rebuilding strategies
Continued support throughout your journey
Loan Declined Assistance
Helping you understand and improve your chances of approval
If your loan or credit application was declined, we identify the cause and guide you on how to improve your profile.
This service includes:
Detailed application and credit review
Identification of risk factors
Practical steps to strengthen your profile
Alternative solutions where applicable
Credit Profile “Red Flag” Review
Identify and address issues affecting your creditworthiness
Certain indicators on your credit report can reduce your chances of approval. We help you identify and address these concerns.
What we focus on:
Detection of negative indicators
Guidance on correcting or improving data
Verification of credit information accuracy
Preventative strategies for future stability