27/07/2026
We've covered easing the pressure. But what about when the debt is simply too large to manage through counselling or settlement?
Sequestration is the most serious option. Its a legal process where your estate is handed to a court-appointed trustee. Once it's published in the Government Gazette:
β
Legal action stops
β
Creditors can no longer contact you, everything goes through the trustee
β
Garnishee (salary deduction) orders must stop
β
Any shortfall can be paid off over 18β24 months, interest-free
It's powerful, but it carries real consequences, which is exactly why professional advice matters before you commit.
So how do you know which path is right for you? Start with our FREE debt calculator. In a few minutes, with no cost and no obligation, you'll get an accurate picture of where you stand. From there, a free consultation points you to the right solution - counselling, variation, negotiation, or sequestration.
Take the first step before debt takes control. π
π 087 654 5927
βοΈ [email protected]
π debtgrip.co.za