UzaDebt helps you settle written-off bank and mobile debts on a plan you can actually afford, privately on your phone.
Under Bank of Tanzania asset-classification rules, a debt that stays unpaid for a year is classified as a loss and written off. The borrower is blacklisted at the credit bureau. The bank books the loss. Nobody wins, until now.
A blacklisted name blocks business capital, mortgages, even some jobs. The debt keeps growing, so it never feels payable.
Written-off debts sit dead on the books, while call-centre collections cost more than they recover and damage the brand.
One default flags your name at the credit reference bureau and locks you out of credit, mortgages and some jobs.
Settle at a discount of up to 70%. When you finish, you receive a clearance letter and your lender updates your bureau record.
Fearing wallet deductions and endless calls, many borrowers abandon their old number, and with it, any way back.
Tell us your current number. We match your record with your lender and reach you quietly, on your terms.
Threatening calls to you, your family or your boss make people go silent instead of solving the problem.
No collectors at your door, no calls to relatives. A private offer on your own screen that you accept when you are ready.
App loans and short-term microfinance facilities stack daily late fees until the balance feels impossible to clear.
One fixed settlement amount with micro-instalments sized to your real income: weekly, monthly or one discounted payment.
Aggressive collectors use shame, family harassment, and hidden compounding fees that drive borrowers into hiding. UzaDebt provides a structured, legally binding path back to financial freedom.
What happens when written-off accounts are chased with unregulated harassment.
Collectors call your workplace, relatives, and parents, causing humiliation and job loss.
Interest accumulates indefinitely. A small mobile loan balloons into millions with zero transparency.
Collectors instruct you to send money to personal SIM lines. Payments often vanish without updating bank records.
Even after paying, the collector disappears without notifying the Credit Reference Bureau. You stay blacklisted.
What happens when you resolve your debt through the official UzaDebt framework.
We only contact you directly on your chosen private channel (WhatsApp, SMS, or private email). No shame, ever.
All accrued penalties are permanently frozen. You settle only an agreed discounted balance tailored to your budget.
Pay safely via M-Pesa, Mixx by Yas, Airtel Money, or HaloPesa into your unique UzaDebt Control Number with instant SMS receipt.
Upon completing your plan, you receive an official Settlement Confirmation & Payment Receipt and your lender updates the credit bureau.
Answer a few questions in under three minutes. No documents, no fees.
We match your details with the lender’s written-off portfolio and get the real balance.
A 30–70% discount, paid at once or in instalments that fit your income. You choose.
Every plan gets its own unique UzaDebt Control Number. Pay from any mobile wallet or bank.
When the plan is complete, you receive your Official Settlement Confirmation & Payment Receipt and the lender closes the account.
Welcome to UzaDebt
1. Check my balance
2. See my offer
3. Pay with control number
4. Clearance letter
Your debt is confirmed
Lender: Bank X
Balance: TZS 1,240,000
Overdue: 19 months
Your offer · 60% off
1. Pay once TZS 496,000
2. 6 × TZS 90,000
3. 12 × TZS 47,500
Control number
55 2208 4417
Pay via M-Pesa, Mixx by Yas, Airtel Money, HaloPesa or your bank.
Payment received
Your account is settled. Clearance letter sent by SMS.
Welcome back to the system.
Preview of the self-service flow. During the pilot, our team sends your offer and control number by WhatsApp or SMS.
Older debts usually earn bigger discounts, and paying at once earns the most. Move the sliders to see an estimate.
Estimate only. Your real offer depends on your lender and is confirmed before you pay anything.
A clean credit record opens the doors a blacklist closed: working capital for your duka, a plot, a home mortgage, a salary advance when life happens.
Every plan is assigned a unique UzaDebt Control Number, so every shilling is matched to your account automatically across mobile money and banks: no screenshots, no agents, no cash.
UzaDebt will never ask you to send money to a personal number. If someone does, report it to us.
No. UzaDebt does not lend money. We work with banks and BOT-licensed microfinance institutions to restructure debts they have already written off, so you can settle them at a discount and rebuild your credit.
It depends on how old the debt is, how much has accumulated in penalties, your lender’s policy and how you choose to pay. Discounts typically range from 30% to 70%. You see the exact amount before you agree.
Yes. That is very common. Give us your current number and, if you remember it, the number you used for the debt. We use it only to find your record.
Never. We only contact you, on the channel you choose (WhatsApp, SMS, call or email). Our approach is dignity-first and private.
You pay with an UzaDebt Control Number issued only to you. Payments are matched automatically and you get an instant confirmation for each instalment.
Your details are used only to find and resolve your debt and are handled in line with Tanzania’s Personal Data Protection Act. We never sell your data.
Pilot places are limited. Join in under three minutes.
Join the pilot
