If you are under debt review, you are not allowed to make any more debt during that time. If you do take on more debt, your whole plan to repay your debts will be cancelled and your creditors can take action against you. Let the debt review process help you to pay off your debt before you make any more debt e.g. a lay-by purchase. #StaySmart

*Please note: This is not financial advice. Please...
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If a debt collector gives you a document to sign, but you don’t understand or agree with what it says, you have the right to refuse to sign. Only sign after you understand everything written in the document and once you are satisfied with the terms. Speak to your lawyer to explain the terms to you and help you negotiate better terms. #StaySmart

*Please note: This is not financial advice. This...
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When you get your payslip and see that a garnishee order has been placed on your salary without anyone telling you about it – AZIKHIPHI! That’s not on! A garnishee order can only be placed on your salary if the proper legal process was followed. A letter of demand has to be sent out, summons should be issued, and the judgement from the court should be that the order can be actioned. If this...
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If you apply for debt counselling, it is important to remember that it’s not free. The following fees are payable by you if you qualify for debt counselling:
Application fee: R50
Rejection fee (if you don’t qualify): R300
Debt counsellor’s fee: max R6 000
After-care fees: max R400 for 24 months
For more information on debt counselling fees, contact the Debt Counsellors Association of South...
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The Debt Councillors Association of South Africa (DCASA) ensures that high ethical standards are upheld by debt councilors, and offers training to ensure that a professional service is delivered to over-indebted consumers.
*Please note: This is not financial advice.
The Ghanaian president, Nana Akufo-Addo came under fire for plagiarising quotes from US presidents Bill Clinton and George W. Bush in his inaugural speech. Read more here: [ Ewn.co.za Link ]

Ghana president faces outcry over plagiarism in inaugural speech

You have been contacted by a debt collector about the money that you owe on your account that is in arrears. The debt collector says that they have given information about your bad debt to your employer. AZIKHIPHI! That’s not on ! The debt collector is not allowed to give, or threaten to give information about your financial situation to your employer that may affect your opportunities as an...
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A garnishee order is a court order that forces the debtor’s employer to pay off the debt from their salary. This way, the payment will be made each month to ensure that repayment is made in full.
*Please note: This is not financial advice.
Did you know?
You can avoid being blacklisted by paying your bills on time. And if you are unable to make a payment – make an arrangement with the credit provider. This will help you to maintain a good credit record and keep you safe from being blacklisted.
*Please note: This is not financial advice. This is only an explanation of debt collection and what to look out for. Please contact your...
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If you feel that you have been unfairly blacklisted and have been unable to solve the problem with the credit provider, you can dispute the blacklisting with the credit ombud. The credit ombud will review your case and if the credit provider did not follow the steps required by the NCA, your blacklisting might not be legal.
*Please note: This is not financial advice. This is only an...
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Muslim mosque-goers are concerned after the Simon’s Town mosque was recently desecrated after a pig’s snout and blood were found outside on the door. Read more here: [ Iol.co.za Link ]

Pig's snout left at mosque 'a hate crime' | IOL

Some debt collectors do not do their jobs ethically and will threaten you and your family if you don’t pay now. AZIKHIPHI! That’s not on! Debt collectors are not allowed to threaten you and you have the right to ignore these threats and consult with a lawyer before paying or signing anything. SMS “Like” to 34453 to join Scorpion Legal Protection today!
*Please note: This is not financial advice.
If you go under debt review, the debt counsellor receives certain fees upfront. Sometimes, these debt counsellors don’t complete the debt review process and then your problem is not resolved. AZIKHIPHI! That’s not right! The debt counsellor has a duty towards you, and you can report them if they do not complete your debt review. Talk to your lawyer or report them to the DCASA. SMS “Like” to...
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We're live with the Daily Sun's Sun Defender to answer all your legal questions! Comment below if you would like our lawyer to help you.
‘Blacklisted’ means that you have fallen behind on your payments and that the creditor decided to list you negatively, or that you have a judgement against you, in which case the creditor went to court because of unpaid debts owed by you.
*Please note: This is not financial advice.
Debt collection is when an attorney, an agent of an attorney, or a registered debt collector, collects lawful outstanding amounts on behalf of a credit provider.

*Please note: This is not financial advice.
Do you have a burning legal question? Then join Sun Defender and the Scorpion Legal Protection team for a LIVE Q&A session where we’ll answer your questions on how to strike back!
Did you know? From the 1st of March 2016 pension, provident, and retirement funds are taxed in exactly the same way. SARS allows a tax deduction from the contributions that you make. The deduction is limited to 27.5% of the greater of remuneration and taxable income with a cap of R350 000 on the taxable income. This change is known as Tax Harmonisation. SMS “Like” to 34453 to join Scorpion...
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