About Credit Clear Solutions
At Credit Clear Solutions, we're dedicated to empowering individuals and businesses to achieve financial freedom.
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Our Services
Detailed services
We provide a tailored, results-driven suite of services aimed at alleviating financial burdens and helping individuals and businesses reclaim financial freedom. Our team of legal and financial experts specializes in the following core areas:
1. Debt Mediation
Overview:
Debt Mediation is a formal process in which we negotiate directly with creditors on your behalf to restructure or reduce outstanding debts. This service is ideal for individuals and businesses who want to avoid legal action or insolvency while still honoring their financial obligations.
Key Features:
- Negotiation with Creditors: We engage with creditors to reduce interest rates, extend payment terms, or settle for a lump sum amount less than the original debt.
- Personalized Payment Plans: Customized repayment schedules that align with your income and budget.
- Legal Protection: Shield from aggressive collection tactics and potential court proceedings.
- Rebuilding Creditworthiness: Gradual restoration of credit score through structured payments and debt resolution.
Ideal For:
- Over-indebted individuals
- Small businesses with creditor pressure
- Consumers facing default or repossession
2. Debt Cancellation
Overview:
Debt cancellation involves the full or partial elimination of a debt obligation, often due to inability to pay, legal disputes, or qualifying for specific hardship exemptions.
Key Features:
- Eligibility Review: We assess whether you qualify for cancellation under consumer protection laws, insolvency provisions, or due to irregularities in the credit agreement.
- Hardship Representation: Strong case-building for cancellation due to medical emergencies, unemployment, or family hardship.
- Legal Grounds: Explore statutory and contractual terms, unlawful interest rates, reckless lending, or procedural flaws that invalidate debt claims.
- Creditor Liaison: Formal communication with creditors, legal submissions, and enforcement of cancellation rights.
Ideal For:
- Clients with unlawful or unenforceable debt contracts
- People declared over-indebted or unable to pay due to legitimate hardships
3. Debt Prescription
Overview:
In terms of the Prescription Act, many debts can expire if not acknowledged or legally pursued within a specific time frame. Our team helps determine whether your debt has legally prescribed and assists with removing it.
Key Features:
- Legal Assessment: Analyze documentation and timelines to establish if a debt has prescribed (e.g., 3 years for most debts in South Africa).
- Disputing Prescribed Debt: Formal letters to credit providers disputing the validity of prescribed claims.
- Protection from Illegal Collections: Defense against attempts to collect on prescribed debts (which is unlawful if no acknowledgment or payment occurred).
- Credit Bureau Updates: Removal of prescribed debts from your credit record.
Ideal For:
- Individuals being pursued for old, inactive debts
- Consumers harassed by collectors despite legal prescription
4. Debt Removal (Credit Report Cleansing)
Overview:
This service focuses on cleaning your credit record by removing outdated, incorrect, or unlawfully listed debt entries, improving your creditworthiness and access to financial services.
Key Features:
- Credit Bureau Dispute: Identification and challenge of inaccurate listings with TransUnion, Experian, XDS, etc.
- Legal Representation: Enforce your rights under credit and consumer protection laws.
- Settlement Clearance: Ensure paid-up debts are marked as “settled” or removed where applicable.
- Default Listing Removal: Remove defaults, judgments, and adverse listings that do not meet compliance standards.
Ideal For:
- Consumers looking to improve their credit score
- Those denied loans or employment due to adverse listings
- Clients with incorrect or outdated data on their credit profile
5. Personal Debt Investigations
If you're trying to investigate your own or someone else's debts (e.g., for a legal case, estate settlement, or financial planning):
- Credit Reports: Obtain reports from credit bureaus (Experian, Equifax, TransUnion) to see outstanding loans, credit cards, collections, etc.
- Public Records: Search for liens, bankruptcies, or judgments in county or federal databases.
- Debt Collection Notices: Review any notices or letters from collection agencies.
- Bank Statements: Review for automatic payments or loan deductions.
Why Choose Us?
✅ Experienced Legal & Financial Experts
✅ Confidential & Professional Service
✅ Affordable Payment Plans
✅ Results-Oriented Approach
✅ Full Compliance with the National Credit Act & Consumer Protection Laws
Get in Touch
📞 Call Us: 0210058010
📧 Email: info@creditclearsolutionssa.co.za
🌐 Website: www.creditclearsolution.co.za
📍 Office: Cape Town, Western cape
Site Content
What We Do
- Credit counseling and education
- Debt management plans
- Credit report analysis and repair
- Personalized financial guidance
Why Choose Us?
- Expert knowledge and experience
- Compassionate and non-judgmental service
- Personalized solutions tailored to your needs
- Ongoing support and guidance
We're here to help you take control of your finances and achieve a brighter financial future
About Us
About Us
At Credit Clear Solutions, helping South Africans take back control of their financial futures. With a deep understanding of the legal and financial systems, we provide expert services in mediation, debt review removal, and financial investigations.
Our mission is simple: to protect your rights and guide you toward financial stability—with honesty, transparency, and results you can trust.
Why Choose Us?
- ✅ Experienced & Accredited: Our team brings years of real-world experience in finance, legal processes, and client advocacy.
- ✅ Client-First Approach: Every situation is unique. We offer tailored advice and walk with you every step of the way.
- ✅ Confidential & Professional: Your financial matters are sensitive. We treat every case with the highest level of discretion and care.
- ✅ Proven Track Record: We've helped hundreds of clients remove debt reviews, resolve disputes, and uncover financial irregularities.
Whether you're facing unfair debt listings, need mediation between parties, or require a detailed financial investigation, we’re here to help—quickly and legally.
Let us help you move forward.
📞 Contact us today for a free, no-obligation consultation.
