Debt & Your Rights Guides
Know your rights as a borrower. Plain-English guides to the National Credit Act, debt review, garnishee orders, section 129 notices, prescribed debt, debt collectors, repossession and reckless lending. Learn what lenders and collectors are allowed to do, where to complain, and the lawful ways out when repayments become too much, including the Credit Ombud and registered debt counsellors.
20 guides
In South Africa, a debt collector must be registered and may not harass or threaten you, lie about who they are or tell other people about your debt.
You have the right to settle a loan early in South Africa.
A garnishee order, also called an emolument attachment order, is a court order telling your employer to deduct money from your salary and pay it to a creditor.
Reckless lending happens when a credit provider grants credit without properly assessing whether you can afford it, or lends when it knew or should have known you did not understand the risks, or when the loan left you over-indebted.
A judgment debt is a debt a court has ordered you to pay.
Debt review is a legal process under the National Credit Act.
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