Prescription of Municipal Debt

Prescription of municipal debt On 13 February 2017, in the case of Argent Industrial Investment (Pty) Ltd and Ekurhuleni Metropolitan Municipality, the court had to rule on whether the municipality’s claim for water consumption had prescribed. The court concluded that If a consumer receives a utility bill reflecting, for the first time, charges older than three… Continue Reading

When an Emolument Attachment (or Garnishee) Order is invalid

Practical application of emoluments attachment order judgment for employers: University of Stellenbosch Legal Aid Clinic and 15 others v Minister of Justice and Constitutional Development and 17 others (Western Cape High Court 16703/14) case Source: Webber Wentzel Background In this decision the High Court pronounced on the apparent large-scale abuse of emoluments attachment orders (EAOs)… Continue Reading

Debt Relief – from stress

From Stress to Relief Debt Relief is not magic. Debt Relief is a real solution for the real problem of Debt Stress. Professional guidance along a few simple steps can lead to a healthy, positive financial future. Question: What is the cause of my stress? Answer: The DEBT chain of disillusion! Misfortune or mismanagement of… Continue Reading

Getting people to face up to financial reality

One of the most common mistakes people make with their finances is waiting too long before they start investing for their old age. And the financial services industry should be doing more to ensure that individuals are saving enough for their later years. Getting people to face up to financial reality   The Star’s Personal… Continue Reading

Liquidation of a company

What happens when a company is wound up Liquidation of a company Is your company experiencing financial difficulties? We can advise you on the best course of action indealing with creditors that are hounding you for payment. In South African Law, a company can be liquidated (wound up) either voluntarily (by members of the company… Continue Reading

How to Make a Budget and Stick to It

If you want to keep your spending under control, it’s essential that you make a budget. A budget allows you to get a handle on the flow of your money — how much is coming in and where it goes out. With that information in hand, you can make intelligent choices about how to spend.… Continue Reading

Knee Deep in Debt

Having trouble paying your bills? Getting final notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? Knee Deep in Debt Source: This article is based upon a FindLaw American article by the same name but has been amended to meet South African… Continue Reading

How do I get rehabilitated?

A brief summary of the rehabilitation process I was declared insolvent about 4 years ago and would like to be rehabilitated. Can you please send me information on how this is done? As an unrehabilitated insolvent, it is unlawful to incur credit (without your trustee’s written consent) and you are obliged to advise all your… Continue Reading

Are you too deeply in debt?

Debt is a major problem in South African households – and one definitely not restricted to the lower income groups. If you suspect you might be in over your head, brace yourself and take an honest look at these debt-defining signs. Are you too deeply in debt?   By Bruce Cameron This article was first… Continue Reading

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