Consumer Rights & Debt Support
If you are being pursued by creditors or struggling to keep up with repayments, we help you understand your rights and negotiate a workable way forward. We do not provide regulated debt review or debt-counselling services.
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
Included with every service
- Provide legal information and legal advice on non-reserved matters
- Prepare legal opinions
What you receive
Deliverables
- Letter of demand or response letter, correctly formulated
- Debt position statement with prescription analysis
- Payment-arrangement proposal and negotiation script
Turnaround
Letters drafted within 24–48 hours.
Indicative fee
From R450 per letter; full negotiation support from R1 200.
Sample output
A letter of demand citing the agreement, amount, interest and the NCA position, with a payment proposal annexure.
Fees are indicative. You receive a fixed written quote before any work begins — no hourly surprises.
How we work
1. Situation review
We list every creditor, balance, document and deadline so you have one clear picture.
2. Strategy
We identify which debts to dispute, which to negotiate and which to settle first.
3. Engagement
We draft and send written communications to creditors on your behalf.
4. Arrangement
We document agreed arrangements so they are enforceable and so collections stop.
Frequently asked questions
Scope of this service
This service is delivered as legal support / paralegal assistance. Across all our services we provide legal information and legal advice on non-reserved matters, and we prepare legal opinions. Nkadimeng Danny is not an admitted attorney; reserved work — court appearance, litigation on your behalf, conveyancing and notarial acts — falls outside our scope and we will refer you to an admitted legal practitioner where a matter requires it.
Nkadimeng Danny is not an admitted attorney. We provide legal information, legal advice on non-reserved matters and legal opinions — we do not take reserved work or represent clients in court. Read full disclaimer.
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