Consumer Rights & Debt Support

Overview

South African consumers are protected by the National Credit Act (NCA) and the Consumer Protection Act (CPA). Many people don't realise how much room there is to negotiate, dispute incorrect amounts, or formalise affordable repayment arrangements. We help you understand the letter, summons or call you received, respond appropriately, and engage your creditors in writing. Where formal debt review or sequestration is required, we refer you to a registered debt counsellor or insolvency practitioner.

Who this is for

• Individuals receiving letters of demand or summonses
• Consumers being harassed by collection agencies
• People who want to negotiate a realistic repayment plan
• Anyone unsure whether a debt has prescribed or is correctly calculated

What we offer

• Review of letters of demand, summonses and statements
• Negotiation with creditors and collection agencies
• Structured payment arrangement proposals and confirmations
• Consumer protection guidance under the NCA and CPA
• Pre-litigation settlement support
• Referral to registered debt counsellors where appropriate

How we work

1. 1. Situation review

   We list every creditor, balance, document and deadline so you have one clear picture.

2. 2. Strategy

   We identify which debts to dispute, which to negotiate and which to settle first.

3. 3. Engagement

   We draft and send written communications to creditors on your behalf.

4. 4. Arrangement

   We document agreed arrangements so they are enforceable and so collections stop.

Scope of this service

This service is delivered as legal support / paralegal assistance. Nkadimeng Danny is not an admitted attorney; where a matter requires representation by an admitted legal practitioner we will refer you. We do not give legal advice — we provide information, document support and procedural guidance.