Informal collections
A measured first approach, recovering payment by email or telephone while preserving the client relationship where possible.
Recover what you’re owed, with a tailored approach
Cash flow is the lifeblood of any business. When clients don’t pay, we help you recover outstanding debt, from a quiet phone call to a firm letter of demand and summons, and we assist consumers with debt review.
Firm when needed, always cost-conscious
Best for
Businesses owed money & consumers
Approach
Informal to formal recovery
Watch
Debt prescribes after 3 years
Also
Section 86 debt review
One of the biggest stress points of running any business is cash flow, which depends on whether your clients and customers pay their outstanding accounts on time.
If you are owed money and are struggling to get payment, speak to us for a tailored approach to debt recovery, whether it be informal collections by email or telephone, or a more firm approach through letters of demand and the serving of summons.
One thing to watch: ordinary debt prescribes, or is extinguished, after three years of the debt arising, in accordance with the Prescription Act. It is therefore necessary to interrupt prescription by serving summons if you wish to lay claim to your outstanding invoices, so it pays not to delay.
We also act on the other side, assisting consumers with debt review under Section 86 of the National Credit Act, and with the rescission of debt review court orders.
What we help with
A tailored approach to recovering what you’re owed, and clear assistance for consumers seeking debt review.
Letters of demand & summons
A firmer route when needed, through formal letters of demand and the serving of summons to enforce your claim.
Interrupting prescription
Timely action to interrupt prescription by summons, so a three-year-old debt does not become unrecoverable.
Debt review
For consumers, Section 86 debt review applications and the rescission of debt review court orders.
Healthy cash flow starts with getting paid what you’re owed.
What to expect
A clear, escalating process, firm where it needs to be, and always mindful of cost.
Step 01
Assessment
We review the debt, the paperwork and the timeline, and advise honestly on the prospects of recovery.
Step 02
Informal collection
Where appropriate, we begin with informal collection by email or telephone to recover payment quickly.
Step 03
Letter of demand
If payment is not forthcoming, we issue a formal letter of demand setting out the consequences of non-payment.
Step 04
Summons & judgment
Where necessary, we serve summons, interrupting prescription, and pursue judgment and enforcement.
Common questions about debt
Honest answers to the things clients ask us most. Still unsure? We’re a phone call away.
Ordinary debt prescribes, or is extinguished, after three years from the date the debt arose, in accordance with the Prescription Act. To preserve your claim it is necessary to interrupt prescription by serving summons, so it is important not to delay if you wish to recover an outstanding invoice.
We tailor our approach to your situation. It can range from informal collections by email or telephone, to a firmer approach through letters of demand and the serving of summons. We advise on the most effective and cost-conscious route for your matter.
Section 86 of the National Credit Act allows a consumer to apply to a debt counsellor for a review of the credit agreements to which they are a party, and to be declared over-indebted. The debt counsellor then applies to court, through an attorney, for an order and negotiates a lower interest rate on the credit agreements.
Yes. We assist clients with the rescission of debt review court orders where circumstances allow, as well as with applications for debt review. We will advise you honestly on whether this is the right step for your situation.
Related practice areas
Let’s recover what you’re owed, in confidence
A short, no-obligation conversation is the best place to start. We’ll listen, explain your options in plain language, and tell you honestly how we can help.