Answers to your questions

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Topic: Debt  |  Show questions and answers for all topics

What should I do if I cannot afford to pay my debt to SARS within their timeframe?

SARS would have considered that you had defaulted on your previous payment arrangement. That would have weakened your case to be granted another payment deferment arrangement by SARS.

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My husband passed away and I cannot afford to pay the debt. What can I do?

The best thing to do is to go to the bank and explain your position to them.

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Do I qualify for a SASSA loan?

SASSA does not give loans.

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How can I protect my house from being repossessed under Section 88 of the National Credit Act?

If you go into debt review, you will be protected by Section 88 while the debt review takes place.

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Am I responsible for home loan arrears accumulated during hard lockdown?

Yes. You can go into Debt Review and possibly work out a new repayment plan.

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Can the bank demand twice the monthly repayment of a loan on an over-insured house?

The in duplum rule limits all interest and other payments on debt to double the amount of the original debt.

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What housing options are available to me if I earn over R3,500 a month and am blacklisted?

Although there are other housing programmes you are eligible for, you would need to settle your debts first.

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What does the law says about minors who cannot pay outstanding municipal debt on an RDP house?

The children qualify as an indigent household.

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My ex-husband has stopped paying maintenance and now I'm blacklisted. What can I do?

You must approach your local maintenance or magistrates court

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How do I challenge a default judgment against me by my bank on the grounds of reckless lending?

You should notify the bank that you intend to defend yourself on the grounds of reckless lending.

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