Repossessions
Repossessions
Our Debt Assist experts have the knowledge and experience to investigate the actions carried out by the creditors and help you avoid repossession.

Repossession takes place when the creditor claims back the assets you bought on credit. However, there are a number of legal actions that have to take place before repossession occurs.

Before repossession takes place, you will receive
  • A letter of demand/warning letter: You have 10 business days to respond. Contact us (link to contact form) as soon as possible to avoid going to court.
  • A summons: This means the litigation process has begun and you have 10 business days to respond. A summons must be served by a sheriff to the address that you noted on your credit agreement.
  • A judgment: If you have ignored a summons, or signed consent to judgment, the sheriff of the court can come to your house with a warrant of attachment to repossess your assets. In addition, the judgment will immediately reflect negatively on your credit record.
Our Debt Assist experts can help you
  • Speak to the creditor or attorneys directly on your behalf and try to come to an agreement, so as to alleviate your debt problems.
  • Communicate with the creditor’s attorney on your behalf and try to delay legal action or come to a settlement agreement. We can also try to negotiate an extension, so you have time to pay the money back.
  • Negotiate on the amount you owe as well as the legal fees you may have to pay, and find a payment plan that you can afford.
Call us before you sign

It's important that you never sign anything given by a creditor or debt collector without calling Legal&Tax first. With Debt Assit, you will always have a guiding hand to help you with your debt concerns.

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Debt assistance includes the following services
Overview
Debt doesn’t have to be forever. We’re here to offer you support and knowledge to get you back on track with your finances
Debt Advice
The first step in managing your debt is understanding your personal financial situation so you can learn how to better use your money in the future.
Credit Report
Our Debt Assist experts can help you by communicating directly with the Credit Bureau on your behalf. They will also help you find an affordable way to pay off your debts.
Garnishee
If your salary is being garnished, don’t panic. Our Debt Assist experts can help you reach a settlement and reduce your monthly payments.
ADR
This is the process where we will help you reach a suitable arrangement with the creditor’s representative, or negotiate to settle your debts in order to avoid litigation.
Repossessions
Our Debt Assist experts have the knowledge and experience to investigate the actions carried out by the creditors and help you avoid repossession.
Debt Counselling
Debt counselling is a legal process, where you apply to have your debt restructured so that you can make everyday payments and still be able to pay off your debt at a reduced instalment amount.