New Debt Plan

08/03/2026

https://businesstech.co.za/news/finance/852979/south-africans-earning-more-than-r180000-a-year-in-trouble/

New data shows that over‑indebtedness continued to grow in South Africa, and some income brackets are worse off than others.

01/01/2026

03/12/2025

https://www.dcasa.co.za/breaking-news-a-debt-review-application-does-not-erase-a-default-on-a-credit-agreement-court-clarifies-interpretation-of-section-1035-of-the-national-credit-act/

New development on article written below on the 14th of May 2025 On 24 November 2025, the Gauteng Division of the High Court, Pretoria (Full Court), […]

08/05/2025

Over-Indebtedness can cause Depression & Anxiety.
Talk to our debt experts now for professional Debt Counselling!

23/04/2025

Overwhelming Several Debit Orders can be reduced and simplified!

20/04/2025

How Debt Collectors "Trick" You Into Paying Expired Debts...

Some debts are so old they’re legally dead.

But collectors revive them using a sneaky and dirty little trick.

Here’s how they get you to pay for something you legally DON’T owe. 👇

If in the past 3-6 years you:

➵ Never paid a cent toward your debt.

➵ Never made an arrangement to pay.

➵ And never been served with summons.

Then your debt has EXPIRED by law, and you NO LONGER owe them anything.

In legalese, we say the debt is past the statute of limitations.

Yet, many collectors will STILL try to collect. Here's how the trick works:

They’ll offer you a “settlement deal,” making it sound like you must pay or else they'll sue. Even if it's little money.

They’ll beg, plead, and sweet-talk you to…

“Just Pay R100 a Month Toward Your R30,000 Debt”

Sounds ridiculous, right?

That’s because it is. And here's why:

If you’re gullible enough to send them that measly R100, you’ve automatically agreed that you OWE them an EXPIRED debt.

You’ve been tricked.

That tiny payment woke up a sleeping beast—your old, written off debt.

You can avoid this fatal fate by doing these:

➵ NEVER, EVER admit you owe any "alleged" debt. Especially over the phone.

➵ Ask them to send proof of alleged debt in writing, so you'll look into it and revert back to them. Once they do, check with your lawyer.

If you don’t know your rights,

This is how they can pressure you into paying debts that are past the point of collection.

10/04/2025

A New Approach to consider for Debt Stress!

10/02/2025

"Freedom isn’t free—paying off debt is the cost."

31/01/2025

A 25 basis point reduction in interest rates by the Reserve Bank has lowered the benchmark rate to 7.50%, a positive development for consumers.

30/01/2025

"The weight of debt is temporary; the joy of freedom lasts forever."