Credit Records

In terms of the National Credit Act (“NCA”), credit may not be given to a person (“consumer”), if s/he is unable to repay such credit. A credit provider must determine a consumer’s creditworthiness by assessing his/her:

Apportionment Of Damages

Contributory negligence occurs where the negligence of all the parties is considered, and the damages may be apportioned (divided) by the amount each party’s negligence contributed to the damages. The Apportionment of Damages Act regulates this.

Consumer Protection Act

The CPA applies to an agreement concluded between a consumer and supplier in the ordinary course of business. A consumer is someone who buys or uses goods, or receives services from a supplier. The supplier sells goods, renders services, and/or advertises his/her goods or services to the consumer.

Debt Counselling

Debt counselling is the procedure in which an over-indebted consumer applies to court to have his/her debt re-arranged, for example, by reducing the monthly instalment amount and extending the period over which the outstanding balance is paid back to the credit provider.

Garnishee Orders South Africa

What is a garnishee order and how is it obtained? Get a quick overview of garnishee orders and the process involved in South Africa by reading this QuickLaw guide.


What is harassment and how would you go about getting a protection order in South Africa? This QuickLaw guide offers information on the harassment act.


Prescription is when a debt (for example, obligation to pay money) is extinguished after a period of time. Get an overview of the most important information about prescription and debt law via this QuickLaw guide.

Age, Domicile and Status

A person’s capacity is limited by his/her domicile, age, or mental and physical ability. Read this QuickLaw guide to learn about the effects of a person's status, domicile and age.

Being Employed

What is a contract of employment and what are the terms and conditions usually contained therein? Learn about contracts of employment and the duties of an employee and employer in an employment relationship in this QuickLaw guide.