Debt Collection

We assist individuals, businesses, landlords, service providers, and other creditors with the recovery of outstanding debts in a professional, practical, and cost-effective manner. Debt collection matters require a careful balance between firm enforcement, commercial practicality, and compliance with the correct legal procedures. We aim to resolve payment disputes as efficiently as possible, whether through early engagement, negotiated repayment arrangements, formal demand, litigation, or execution after judgment.

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We can assist with the following:

• Assessing the debt, supporting documents, and prospects of recovery;

• Letters of demand and formal pre-litigation notices;

• Negotiating payment arrangements and settlement agreements;

• Drafting acknowledgements of debt;

• Drafting repayment plans and settlement undertakings;

• Institution of action in the Magistrates’ Court or High Court;

• Applications for default judgment;

• Summary judgment proceedings, where applicable;

• Opposed debt recovery litigation;

• Recovery of arrear rental, unpaid invoices, loan amounts, and contractual debts;

• Enforcement of suretyships and personal guarantees;

• Tracing and identifying possible recovery avenues, where applicable;

• Warrants of execution against movable property;

• Attachment of bank accounts, debts, or other assets, where appropriate;

• Section 65 financial enquiries in the Magistrates’ Court;

• Emoluments attachment orders and garnishee-type recovery processes, where legally competent;

• Liquidation or sequestration proceedings, where appropriate;

• Negotiating post-judgment payment arrangements;

• Execution and enforcement of court orders; and

• General advice on credit control, collection processes, and risk management.