Your Path to Financial Freedom
Debt Prescription
Debt prescription is a legal process through which certain debts may become unenforceable if they meet the requirements set out in South African law. Not all debts qualify, and each account must be assessed individually.
We evaluate your accounts based on: the age of the debt; whether payments have been made during the relevant period; whether liability has been acknowledged; whether legal action such as a summons or judgment was taken before prescription expired; and whether the type of debt is legally capable of prescribing.
Debt Review Removal
If you’ve completed your debt review obligations or qualify to exit debt review, we can guide you through the required process to help update your credit profile.
Benefits:
• Improved access to credit opportunities
• Assistance with the required documentation|
• Professional support throughout the process
Judgment Removals
Civil judgments can negatively affect your credit profile. We assist eligible clients with the process of having judgments removed where legally possible. Our service includes:
• Judgment assessment
• Document preparation
• Application assistance
• Credit bureau updates where applicable
Credit Profile Disputes
Protect yourself from predatory lending. We challenge reckless credit agreements, ensuring your financial obligations are fair and legally sound under South African law.Incorrect information on your credit report can impact your financial opportunities. We assist in disputing inaccurate or outdated listings with the relevant credit bureaus. We help with:
• Incorrect account listings
• Duplicate accounts
• Paid-up accounts still reflecting as outstanding
• Outdated information
Payment Arrangements
We assist clients in negotiating realistic payment arrangements with creditors to help manage outstanding debt responsibly.
Benefits:
• Affordable repayment plans
• Reduced financial pressure
• Structured debt management
• Improved financial stability
Credit Profile Improvement
A healthier credit profile can open doors to better financial opportunities. We provide guidance and support to help clients strengthen their creditworthiness through responsible financial practices.
Our approach includes:
• Credit profile assessments
• Financial guidance
• Credit education
• Ongoing support
Frequently asked questions
How do I know if I qualify for debt review removal?
Our consultants will assess your circumstances and explain the available options based on your financial situation.
Can you remove all judgments?
Each matter is assessed individually. We assist eligible clients with the appropriate legal process where applicable.
How long does the process take?
Timeframes vary depending on the service and the information required from third parties.
Is my information confidential?
Yes. We treat all client information with strict confidentiality and professionalism.
How can I contact you?
You can reach us by calling Tel: 071 850 1479 / 071 542 3844 or emailing sales@macadvisory.co.za. We are always happy to answer your questions.
How do I get started?
Simply contact our team to schedule a confidential consultation.
Take the first step towards restoring your financial future with Mac Capital & Advisory.