What to Look Out for When Shopping for Credit Understanding Credit Under the National Credit Act The noun “credit” is strictly defined in…
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Campbell Attorneys’ niche practice areas are in consumer law, debt mediation and negotiation, credit law, credit report restoration, reckless credit investigations, and general insolvency law and divorce. We assist consumers throughout South Africa with consumer, credit law, debt mediation, insolvency, and general family law matters. Such assistance includes the rescission and cancellation of administration orders, emolument attachment orders, and cancellation of the debt review process. Where necessary, and the consumer has the relevant grounds, we also assist with the rescission of Magistrate and High Court judgments and general credit report restoration. Debt relief assistance includes sequestration, also known as voluntary surrender, debt mediation and negotiation, and rehabilitation after sequestration. Assistance with consumer matters such as the purchase of defective goods or services, disputes relating to consumer agreements, and the termination thereof, is also provided. In short, our areas of legal practice focus on the protection, enforcement, and realization of consumer rights as entrenched in South African Insolvency Law, Credit Law, and Consumer Protection Law.
We provide honest and transparent advice and solutions, appreciating the sensitivity and complexity of financial distress and impaired credit reports. Our aim is to deliver the best possible solutions and services, benefiting thousands of consumers throughout South Africa, including expats living abroad.
As far as possible, legal fees are set and disclosed upfront after a preliminary assessment. If legal assistance is provided, fees and payment terms are agreed upon and documented in writing. We offer the option of monthly fee payments via debit mandate at no extra cost.
Our focus is on protecting, enforcing, and realizing consumer rights under:
What to Look Out for When Shopping for Credit Understanding Credit Under the National Credit Act The noun “credit” is strictly defined in…
(as extracted from Nicky Campbell’s Chapter 6, “The consumer’s rights and credit provider’s obligations”, in The Guide to the National Credit Act by…
The National Credit Act 34 of 2005 essentially gives a consumer the right to apply to a debt counsellor for debt review if…
Our attorneys assist with debt negotiation and sequestration. We also assist with getting debt written off. We also assist over-indebted consumers who do not wish to undergo debt counselling, or consumers who cannot afford the debt review repayments.
Creditors will often allow for discounted repayment of old debt. Negotiating settlement requires acute knowledge of debt collection practices and negotiation includes challenging and writing off debt that is not lawfully collectable… find out more
Voluntary Sequestration also known as Voluntary Surrender, or bankruptcy, is an alternative to debt counselling and results in a ‘once-off’ solution, in that it has the effect of 80% of the debt being “written off”… find out more
All about the liquidation of a company, finalising of its affairs and how the proceeds are applied to settle debts, and to distribute any residue among shareholders and stakeholders of an insolvent company… find out more
Reckless credit is a concept born out of the National Credit Act. This is when creditors extend credit without doing due diligence on the affordability of the credit to the consumer…find out more
In terms of the National Credit Act 34 of 2005, consumers are entitled to a free credit report once a year. All about removing or correcting incorrect and adverse information from your credit reports as held with credit bureaux, such as Transunion, Experian, XDS and VCCB.
Debt counselling can be cancelled and the debt review notice can be removed from your credit reports. All about the legal process for rescission of debt review court orders that enforces the debt review, and all about making a court application to be declared to be no longer over-indebted… find out more
Consumers who were previously declared insolvent as a result of a sequestration order, can apply to court for rehabilitation after sequestration. Alternatively, the Insolvency Act allows for the insolvent to be automatically rehabilitated… find out more
When an administration order can be cancelled and all about the setting aside of administration orders in terms of 74 of the Magistrates Court Act… find out more
High Court judgments can only be set aside under special circumstances and requires that an assessment be done on each individual case. All about when and how a High Court judgment for debt can be set aside … find out more
What is a garnishee order? When can it be set aside? Can a garnishee be reduced?… Find out more
The Consumer Protection Act introduces various measures for consumers to obtain recourse for either faulty goods or for defective services.
Who is a consumer? Who can be held accountable in terms of the Consumer Protection Act, for services rendered or goods sold?… Find out more
What goods and services are covered by the Consumer Protection Act and also all about transactions as defined by South African consumer law… Find out more
Seven inalienable rights bestowed upon South African consumers, by the Consumer Protection Act, and how these rights can be protected…Find out more
The Consumer Protection Act defines who is allowed to seek relief from the courts or any other regulatory protection agents, such as the National Consumer Commission and National Consumer Tribunal… find out more
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