Prescribed Debt Assessment
Could Your Old Debt Be Written Off? Find Out with a Free Prescribed Debt Assessment
If you’re being contacted about debt you thought was long forgotten — there’s a chance it no longer needs to be paid.
Under South African law, many types of debt prescribe after three years. That means the creditor loses the legal right to demand payment or take legal action against you — but here’s the catch: they’ll still try.
If you’ve received a call, SMS, letter, or email about an old account, we can help you find out if:
✅ The debt is legally prescribed
✅ The collector has the right to collect
✅ You may be protected from further collection
✅ You can stop harassment or remove credit listings
We work with experts in prescribed debt who can assess your situation and guide you on what to do next — and we offer the first step completely free.
What You Get From the Free Assessment
✔️ A review of your situation by a team experienced in prescribed debt
✔️ Honest, no-obligation feedback on your options
✔️ Guidance on how to stop further contact if the debt qualifies
✔️ Help understanding how it affects your credit profile
You’re Not Alone — And You’re Not Powerless
Thousands of South Africans are being pressured into paying old, prescribed debts that should’ve been written off. If you’re tired of threatening calls and confusing letters, let us help you take back control.
You have rights. Let’s make sure you use them.
💬 Take the First Step — It’s 100% Free and Confidential
It only takes a few minutes to find out if your debt qualifies to be written off.
👉 Start Your Free Assessment Now
No commitment. No pressure. Just clarity.
- You complete the quick assessment form
We’ll ask you a few basic questions about the debt – no ID numbers or account details needed upfront. - We evaluate your answers
Our team reviews the timeline and facts to see if the debt qualifies under South Africa’s Prescription Act. - You receive your results
We’ll let you know whether the debt is likely prescribed, and if so, what steps you can take next to protect your rights.
- Credit cards
- Personal loans
- Retail accounts (Edgars, Foschini, etc.)
- Overdrafts
- Cellphone contracts
- Medical bills
- Gym memberships
- Old service accounts
If there has been no payment, no written acknowledgment, and no court action taken within 3 years — the debt may be unenforceable.
But collectors often don’t mention that.
Debt collectors are trained to get a payment or an acknowledgment out of you — even if the debt has already prescribed.
Just saying “yes, I remember” or agreeing to “pay something small for now” can reset the 3-year clock and make you legally liable all over again.
That’s why it’s important to understand your rights before you engage with a collector. A free assessment gives you clarity — and the legal footing to protect yourself.