Expert Debt Recovery & Insolvency Services

Recover outstanding debts or get relief from overwhelming debt. Get matched with qualified debt and insolvency attorneys for debt collection, recovery, and restructuring.

What We Offer

Debt Recovery & Collection

Aggressive debt recovery services. Summons, court claims, judgment enforcement, and wage attachments to recover outstanding debts from debtors.

Debt Review Services

Consumer debt review and restructuring. Negotiate with creditors for manageable payment plans. Protection from debt collectors under the National Credit Act.

Sequestration & Insolvency

Sequestration application and insolvency procedures. Debt relief through court processes for individuals with unmanageable debt loads.

Debt Restructuring & Negotiation

Negotiation with creditors for debt restructuring. Renegotiate payment terms, reduce interest, or settle debts for less than owed.

Creditor Defence & Protection

Defence against creditor claims and illegal debt collection practices. Protection from harassment, unlawful attachments, and predatory lending.

Insolvency Litigation

Litigation related to insolvency and debt disputes. Court representation for complex debt matters, fraud claims, and creditor disputes.

Our Debt & Insolvency Process

1

Financial Assessment

Detailed review of your financial situation, debts, assets, and income. We assess options: collection (creditor) or relief (debtor).

2

Strategy Development

Create a debt recovery or relief strategy. For creditors: collection action plan. For debtors: debt review, restructuring, or insolvency options.

3

Negotiation & Demand

Attempt debt negotiation and settlement. For creditors: formal demand and settlement discussions. For debtors: creditor negotiation for reduced payments.

4

Court Action or Relief

If settlement fails, proceed to court for judgment (creditors) or insolvency proceedings (debtors). Expert representation throughout.

5

Enforcement or Restructuring

Enforce favorable judgments through wage attachments and asset recovery (creditors) or manage debt restructuring payments (debtors).

6

Resolution & Recovery

Complete debt recovery (creditors) or achieve debt relief and financial recovery (debtors). Fresh start or successful debt management.

Frequently Asked Questions

What is debt review and how does it help?
Debt review is a legal process under the National Credit Act where a debt counselor helps consumers manage unaffordable debt. Benefits include: (1) Protection from creditors and debt collectors, (2) Renegotiated payment terms with lower amounts, (3) Reduced interest rates, (4) Stop to legal action by creditors, and (5) Consolidated repayment plan. Your attorney guides you through the process.
What is sequestration and when should I consider it?
Sequestration is a court process where your estate is handed over to a trustee to sell assets and pay creditors. Consider it if: (1) Debt is unmanageable, (2) Debt review isn't possible, (3) You have sufficient assets to pay some creditors, or (4) You want a fresh start. Sequestration has serious consequences including a damaged credit record for up to 6 years.
Can creditors garnish my wages for unpaid debt?
Yes, creditors can obtain a court judgment and then attach your wages through a garnish order. This deducts a percentage of your salary directly to pay the debt. However, certain amounts are protected: basic living expenses, maintenance obligations, and a percentage of your salary. Your attorney can challenge excessive garnishment or negotiate reduced amounts.
What protections do I have against debt collectors?
The National Credit Act protects you from: (1) Harassment and threats, (2) Contact during prohibited hours, (3) Contact at work without permission, (4) Public embarrassment, (5) Unlawful collections practices, and (6) Incorrect debt information. Debt collectors cannot arrest, detain, or physically harm you. Your attorney can sue for illegal debt collection practices and damages.
How long does a debt collection claim take?
Debt collection timelines vary: (1) Small claims (under R15,000) take 3-6 months, (2) District court claims (R15,000-R100,000) take 6-12 months, (3) High court claims (over R100,000) take 12-24 months. Many cases settle before trial, reducing timeline. Your attorney manages the process and pursues efficient collection.
Can I negotiate my debt down to a lower amount?
Yes, debt settlement is possible. Creditors often accept less than owed if: (1) You're in financial hardship, (2) They're uncertain about collecting the full amount, or (3) They want to avoid litigation costs. Your attorney negotiates with creditors for settlements. Settlement amounts depend on your financial position and creditor willingness.
What is the difference between a debt review and sequestration?
Debt review (better): (1) Allows you to keep assets and employment, (2) Lower credit record impact (3-6 years), (3) Restructured payments you can afford, (4) Negotiate with creditors. Sequestration (last resort): (1) Lose assets to trustee sale, (2) Damages credit for 6+ years, (3) More formal court process, (4) Better if few assets. Your attorney advises which is appropriate.
Can I be arrested for owing money?
No, debtors' prisons don't exist in South Africa. You cannot be arrested solely for owing money. However, you can be arrested for: (1) Failure to appear in court, (2) Contempt of court (ignoring court orders), or (3) Non-payment of maintenance. Your attorney ensures you comply with court orders and protects your rights.

Get Control of Your Debt

Whether you're recovering debts from others or buried in personal debt, get expert legal support from a qualified debt attorney who will fight for your financial recovery.