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Your best option to consolidate your debt

and avoid Debt Review and legal action...

Let Us Call You Back 

We Are Proudly Backed By:

 We believe that the Constitution and your rights are synonymous with every legal matter, and accordingly strive to protect your interests, no matter how small.

Call us for all your legal assistance in both commercial and civil matters.

For more information visit our website

 Your Debt Consolidation Options

If You Are Over-Indebted The Best Thing To Do Is First Check Out Your Options.

Your Options Can Found At This Site -

Debt Options



National Credit Act 

The National Credit Act 34 of 2005 was brought about by the government to assist you, the consumer.

The Act sets out to regulate credit and help you to manage your credit responsibly while making lending more transparent.




Prescribed Debt

It is now unlawful for a credit provider to attempt to collect a debt that has prescribed or to sell a debt that has prescribed.

A debt prescribes - lapses - if a credit provider does not start civil proceedings in a court to recover the old debt.



In Duplum Rule

The National Credit Act came into operation on 1 June 2007

  • In Common Law the “in duplum rule” deems that “interest stops running when the unpaid interest equals the outstanding capital.”
  • The “In Duplum Rule” is a common law rule that limits the interest, which a creditor can charge on an account that is in arrears.




Legal Action

There two main legal processes that you need to be aware of if you default on your debt payments. 

These are a section 129 letter (Letter of Demand) and the summons.


A section 129 letter notifies you that you are in default and offers you several ways to remedy the default.

Satisfied Clients Are Our Best Advert


These are unedited, original received messages and not concocted by ourselves to impress you.


At the beginning of 2013, my life was turned upside and I no longer had the financial resources to cover my debit orders and usual expenses. Paying off my debt suddenly became a huge mountain to climb. Now, finally, it's over! Today I settled my FNB loan account and tomorrow I will settle my Capitec account. That is the final one.


Thank you so much what you explained about prescribed debts. This happened to me also. DMC was demanding a prescribed debt from me I stood by my word and eventually, they stopped and cancelled everything that was against me. I wish your Message would reach more South Africans who are suffering the same fate as I was again thanks a million


Thank you very much for answering all my questions. I am comfortable with everything and thank God that I found your email as it was intended for the lady who worked here before me. I firmly believe that everything happens for a reason.


Where were you few year ago when I needed financial advise and assistance? LOL


Thank you for your explanation, I must say this my first time I understand what happened.  I really appreciate your explanation and guidance.


You deserve a GOLDEN STAR. I am very impress with your service. Should anyone seek financial help I will recommend you.


This serve to inform you that a debit order was cancelled on the 16th November 2016 as per our telephonic discussion. I really appreciate your intervene during my financial struggles and I had relief since I started this arrangement. I hope you will find this in good order and surely, will refer clients to you.


Thanks M. I know you have our best interests at heart at all times. And commend you, as you have handled any problems that have come up, with the utmost efficiency thus far.