In terms of the National Credit Act sec 86 a Consumer approaches a Debt Counsellor regarding an Application for a Debt Review (see step by step guide)
In term of the Magistrate Court Act32 of the 1944 Sec 74A (1) a Consumer approaches the Administrator regarding an Application to Court requesting:
a Court order to be granted in favor of the applicant
Placing his/her Estate under an Administration order
Protecting the Applicant from the various creditors
One affordable monthly payment
Calculated by means of applicant’s income vs monthly living expenses
The one amount is known as the distribution amount
Each creditor will be paid a percentage thereof until the debt is paid in full.
Civil matters such as Judgments, Recessions of Judgments, Maintenance, Divorce, Family law, Protection order and Debt collecting Queries regarding procedures.