About Debt-Help-U


DEBT - HELP - U is a national business venture in South Africa that utilizes relevant laws and systems to administer debt that has been mismanaged by individuals and includes, but is not limited to Section 74 (Act 32 of 1944) Administration of debt, management of debt, liquidation, personal budgeting insurance and executing of deceased estates. The Head office is situated in George although it assists clients nationally. Debt-Help-U was founded in 1998.

Due to many reasons, many individuals fall into financial problems whether these reasons are due to lack of planning, bad management, and unforeseen circumstances. Debt is too easily obtainable and without due diligence being applied, illiteracy or any other reason, the debt spiral occurs. Debtors are often garnished by giving consent thereto when applying for a loan. These garnishees are unlawful and are usually more than 25% of the debtor's salary or the debtor is unable to afford the repayment.

These debt problems cause Creditors to loose enormous amounts of money and the Debtor looses personal motivation and becomes less productive in the work environment causing rise in interest rates resulting in inflation.

When a debtor is not in a position to repay his debt, and make arrangements with his / her creditor, it is an act of insolvency. Unfortunately many people are in this situation.

Through market research we have identified the need to assist and educate the debtor to pay his debt, resulting in cash flow to the Creditor, maintaining of family values by insuring a fair budget for survival and a positive contribution to the economy.


There is a constant demand for increases in salaries and employers loose productive time with negotiations and means to budget increases. When the employee receives an increase; they do not usually anticipate the increase in deductions. Normally the net amount remains the same.


Because of many reasons the cost of all the mentioned articles increase. We are influenced to buy by watching television, reading newspapers, listening to the radio, friends and sometimes our own desires for nice things like clothing, furniture etc.

We cannot always afford to buy these articles cash and then we look for credit. It seems easy at first, but as we start to make payments, we realize that the money left over becomes smaller. We buy more nice things and our own money still decreases.


Suddenly unforeseen things happen like medical expenses, death in the family, study fees other any other. We are now in a situation without money, we say we are not liquid.


Due to many reasons, whether unforeseen circumstances, mismanagement of budget or whatever reason, people sometimes fall into financial difficulty.


The situation starts to become bad. Summonses start pouring in, threat calls are received, and you start to run away. You don't sleep well anymore. You become stressed and start treating others bad. You become negative and scared. You earn a big salary but take little or no money home. Garnishes start to kill you and your family life. You think the worst.


Should the client have debt related problems and do have securities, assets or capital, the client could qualify to go onto the Debt Management Program. Each case is unique and a fee is negotiated for services rendered and may differ according to the need and service. An informal administration of affairs might be applied.


If you have a fixed income and are committed to recovery, and for this reason would like to avoid any or further legal action taken against you by your creditors, your first place of call is the Court of law. In 1944 a law was passed that if a person cannot pay his debt, or has judgments and does not have enough assets to sell to pay these judgments, irrespective of the reason, can apply to go under administration, where an Administrator is appointed by The Honorable Court to handle his debt problems. No legal action can now further be taken against you! (except for your bondholder BUT DEBT-HELP-U CAN STILL ASSIST!)


As mentioned before, people get paid to do the job, but you do not need to pay any legal fees upfront at DEBT-HELP-U.

When placing a person under administration, we do not take deposit, but carry all costs necessary and then collect our expenses and fees as allowed by the court rule as first payment when premiums are paid. Rule 33(5)(a) and Section 74J(3).

To assist people to be granted an administration order, the government has reduced the legal cost for administrations comparing to any other legal action. We only take fees allowed by Law. Fees are first taken from your monthly payment until paid up and then we pay your creditors prorate on your behalf from the payment you make.


Administration is a voluntary process. Normally when a person applies for an administration order, he does so to avoid running and implies a surrender action. Such a person already has other problems and is in most cases already blacklisted. You can still obtain credit if you really must, but on condition that you reveal you are under administration.


Insurance is for funeral, replacement of income of breadwinner in case of death, retirement or permanent disability. Many employees take out insurance policies on recommendation of agents and sometimes these policies are irrelevant or unnecessary. Debt - Help - U assesses the total insurance need when assisting the debtor with budget.


Should a person pass away, the estate has to be closed or "wound up". Due to illiteracy and ignorance many people still do not have a last will and testament. Debt - Help - U can draft and issue your will accordingly.

Fees differ from application to application depending on the amount of creditors and debt.


The process is called personal money management and is controlled by a budget. A budget is a discipline process of keeping record of income and expenditure.


When a baby is born the parents register the birth of the child at the Department of Internal affairs. The baby is now a citizen of the country he/she is born in. The child has birthright and many other rights according to the Constitution. An estate is also registered. When the child grows up and become an adult he/she starts earning an income. All possessions obtained and bought is part of the estate of the person. When the person obtains debt, the estate owns the money - the individual manages the money earned and spent.


When two people marry in community of property, it means that they both had separate estates but now the two estates are joined as one, and both persons are now responsible for the same estate and budget. Should they get divorced, the estate is then split up again. This is the only time that an estate is combined. With any other marital agreement, the couple still keeps two separate estates each.