Debt Mediation
Negotiated Repayment Arrangements That Reflect Your Reality
We engage your creditors to seek arrangements that address arrears and make repayments more manageable — without entering formal debt review.
The service
About Debt Mediation
Debt mediation is an informal, voluntary process in which we approach your creditors to negotiate revised repayment terms. It differs from debt review, which is a formal statutory process conducted by a registered debt counsellor and which places a flag on your credit profile.
Through mediation, we aim to agree on arrangements that address arrears, reduce monthly pressure and allow you to regain control of your finances. Each creditor decides independently whether to accept a proposal.
Our role
How CrediSure Assists
- Assess your income, expenses and current obligations
- Prepare realistic repayment proposals for each creditor
- Engage creditors and collection agencies on your behalf
- Document agreed arrangements clearly
- Monitor progress and assist if circumstances change
Step by step
The Process
- 01
Financial assessment
We review your income, expenses and accounts.
- 02
Proposal preparation
We prepare affordable, realistic proposals.
- 03
Creditor negotiation
We present proposals and negotiate on your behalf.
- 04
Arrangement confirmation
Agreed terms are documented in writing.
- 05
Ongoing support
We monitor progress and follow up where needed.
Potential benefits
- Potentially lower or more manageable monthly instalments
- No formal debt review flag on your credit profile
- A single point of contact managing creditor communication
Important considerations
- Creditors are not obliged to accept any proposal.
- Mediation does not provide the statutory protection that formal debt review provides.
- Agreed arrangements must be honoured to remain in place.
FAQ
Debt Mediation — common questions
How is debt mediation different from debt review?+
Debt review is a formal process under the National Credit Act with legal protection and a credit profile flag. Mediation is informal and voluntary, relying on creditor agreement.
Must creditors accept the proposal?+
No. Each creditor considers proposals on its own terms. We aim to present proposals that are realistic and well supported.
CrediSure Consultings provides credit advisory and assistance services. Eligibility and outcomes depend on individual circumstances, creditor responses and applicable legal requirements. No specific result, credit score improvement, debt deletion or loan approval is guaranteed. Information on this website is general in nature and is not legal advice.
Related perspective
Debt Mediation vs Debt Review →Two different approaches to managing debt — and how to know which may suit you.
Independent industry resources
An informed perspective
Public guidance from regulators, credit-information specialists and complaints bodies.
These are independent reference sources, not testimonials about CrediSure. Inclusion does not imply endorsement, affiliation or a partnership. General guidance is not a decision on your individual case.
Find out whether debt mediation may be right for you
Speak to our team about your credit profile and discover the solutions that may be available to you.