LEGAL PRACTITIONERS and Other Service Providers!

1 hour Response Time


This is your FIRST STEP if you are looking for legal or professional support. We:

  • Guarantee a response within 1 working hour,
  • Are uncomplicated, friendly and professional,
  • Our fees are sensitive to the South African economy,
  • Have a team of professionals in all major Cities,
  • Function with integrity, attention to detail and are objective driven,
  • Use technology, innovation and internal processes to streamline your experience,
  • Strive to improve the sector we operate in.



In our ‘team’ we have Legal Practitioners (Lawyers & Attorneys) and other Professionals who offer parallel solutions. Our website menu items LEGAL PRACTITIONERS and OTHER PROFESSIONALS offer a summary of services and will help you decide which type of service provider to use. Please review both pages. Afterwards, if you are still not sure who to use please ask for guidance using the Immediate Action Form on the Contacts Page.



For free services you could engage with an organization such as or visit for free information. Depending on your issue any of the following organizations might be appropriate and mandated to help for free:

  • The National Consumer Commission,
  • CGSO,
  • CCMA,
  • Housing Tribunal,
  • For insurance or banking issues, you should contact the appropriate ombudsman.

If you are looking to hire a Professional we guarantee that the fees quoted will be reasonable and you will not be charged anything until you have accepted a quote or entered into an engagement letter. Payment options will be communicated and might include hourly, per project, fixed rate or retainer. See a Cost Guideline HERE. The use of a Legal Practitioner or Court should be engaged with only once you have exhausted all amicable and free options, or if the matter at hand needs legal guidance and an expert to expedite a solution.


An E-Consult is an effective way to receive expedited support for select, once off or ad hoc matters. Please visit the menu item for more information on this process. CLICK HERE



South African Working days. No public holidays.

  • Monday-Thursday from 09h00-13h00 and 14h00-16h00.
  • Friday 09h00-13h00.



Debt Rehabilitation

Debt rehabilitation in South Africa is designed to help people who are struggling to repay their debts. This process is guided by the National Credit Act (NCA) and involves working with a debt counsellor to create a manageable repayment plan. Here’s a simple breakdown of how it works:

Acknowledging the Problem: The first step is recognizing that you are over-indebted and need help. This means you’re struggling to meet your debt obligations and need a structured plan to get back on track.

Finding a Debt Counsellor: You’ll need to approach a registered debt counsellor. These professionals are trained to assist individuals in financial distress. You can find a list of registered counsellors on the National Credit Regulator's (NCR) website.

Assessment: The debt counsellor will assess your financial situation by looking at your income, living expenses, and total debt. They’ll determine if you are indeed over-indebted and qualify for debt review.

Debt Review: If you qualify, the debt counsellor will inform all your creditors and the credit bureaus that you are under debt review. This stops creditors from taking legal action against you while the process is ongoing.

Negotiation: The debt counsellor will negotiate with your creditors to reduce your monthly payments to an affordable level. They aim to extend the repayment period and possibly reduce the interest rates on your debts.

Repayment Plan: Once an agreement is reached, the debt counsellor will create a new repayment plan. You’ll make a single monthly payment to a Payment Distribution Agent (PDA), who will then distribute the funds to your various creditors according to the plan.

Sticking to the Plan: It’s crucial to stick to the repayment plan. Regular payments will gradually reduce your debt.

Completion: After successfully paying off your debts as per the plan, you’ll receive a clearance certificate. This certificate indicates that you are no longer over-indebted, and your credit record will be updated to reflect this positive change.

Debt rehabilitation is a supportive process designed to help you regain control of your finances in a structured and manageable way.

The information on this page is not legal advice. Please engage with our team so we can assign your request to a Legal Practitioner. We look forward to being of service.

Debt Rehabilitation