Debt Collection

At PJD Law Firm, we understand the importance of timely and effective debt recovery for businesses and individuals alike. With extensive experience in South African debt collection law, our team of legal experts provides strategic and efficient solutions to help you recover outstanding debts while maintaining compliance with all legal requirements.

1. Pre-Litigation Collections
   Our approach begins with pre-litigation efforts, where we engage in negotiations and demand letters to encourage debtors to settle their debts voluntarily. This cost-effective method often resolves disputes before legal action becomes necessary.
2. Litigation for Debt Recovery
   Should the debtor fail to make payment after pre-litigation steps, we move swiftly to initiate formal legal proceedings. Our attorneys can represent you in the Magistrate’s Court or the High Court, depending on the amount of debt owed, to ensure the recovery process is handled professionally.
3. Issuing Summons and Judgments
   We assist clients in issuing summonses and obtaining judgments against debtors. This formal process, in line with the South African Rules of Court, enables you to enforce repayment through legal means, including attachment of property or salary garnishments.
4. Enforcement of Judgments
   Once a judgment is granted, enforcing the court's decision is essential. We provide services such as obtaining a warrant of execution against the debtor’s movable or immovable property, ensuring that the judgment is enforced effectively.
5. Debt Reviews and Sequestration
   If a debtor claims they are unable to repay their debts due to over-indebtedness, we assist creditors in navigating debt review procedures under the National Credit Act. For individuals who qualify, we can also assist with sequestration or liquidation processes.
6. Tracing and Locating Debtors
   Sometimes debtors attempt to avoid repayment by disappearing. Our team works with professional tracing agents to locate debtors and recover what is owed to you.
7. Business-to-Business Debt Recovery
   If you are a business owner dealing with unpaid invoices or overdue accounts, we offer a tailored business-to-business (B2B) debt recovery service. Our firm prioritises maintaining professional relationships while ensuring that your business’s financial interests are protected.

• Expert Knowledge of South African Law: Our team is well-versed in debt collection procedures under the National Credit Act, the Magistrate’s Court Act, and other relevant legislation, ensuring every step is handled in compliance with the law.
• Efficient and Strategic Approach: We understand the urgency of recovering debts and aim to resolve matters quickly, minimising unnecessary legal costs for our clients.
• Ethical Debt Recovery: We adhere to the ethical standards set by South African law, ensuring that all debt collection activities are conducted lawfully and with professionalism, safeguarding your reputation.

1. Demand Letters and Negotiations: We start by sending a letter of demand, informing the debtor of the amount owed and giving them a reasonable timeframe to pay. If negotiations fail, we proceed to legal action.
2. Legal Proceedings: If the debt remains unpaid, we issue a summons through the Magistrate’s or High Court, based on the debt’s value. After obtaining a judgment, we proceed with enforcement actions, such as garnishee orders or writs of execution.
3. Final Recovery: Our end goal is to ensure that you receive the outstanding debt, whether through payment, attachment of assets, or other legal avenues.

Whether you are an individual, a business, or a financial institution, recovering debts is critical to maintaining your financial health. At PJD Law Firm, we offer tailored debt recovery services that align with your goals and the legal requirements of South Africa. Contact us today for a consultation, and let us assist you in collecting what is rightfully owed.