The NCA protects a consumer who enters into a credit agreement with a credit provider. For example, a credit agreement can take the form of a credit card, overdraft, store card, personal loan and so on.

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:

Get an overview of the process involved surrounding emoluments attachment orders and garnishee orders in South Africa via this QuickLaw guide.

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 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.

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.