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The Definitive Practical Guide to Debtor Tracing in South Africa

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The Definitive Practical Guide to Debtor Tracing in South Africa — 7 Powerful Strategies That Actually Work Quick Answer: Debtor tracing in South Africa is the structured, legally compliant process of locating a debtor who has skipped payment and cannot be contacted through normal channels. It combines database searches, social media intelligence, field investigations, and […]

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The Kredcor B2B Debt Recovery ROI Analiser

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You will find a handy tutorial below the Kredcor B2B Debt Recovery ROI Analiser B2B RECOVERY ROI AUDIT Kredcor Commercial Debt Management REF: PENDING DATE: 2026-03-17 SECTOR RISK Medical (Low)Wholesale (Medium)Construction (High)Retail (Critical) 90+ DAY DEBT (R) MONTHLY SALES (R) GENERATE TOTAL ROI REPORT Real-Time Loss (Cost of Inaction) R 0.00 Losing R 0 per

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The Ultimate Guide: Compulsory Sequestration vs. Voluntary Surrender — 7 Critical Facts for Creditors

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In the high-stakes world of South African commercial debt recovery, few things are as frustrating as a debtor who simply stops communicating while their assets mysteriously dwindle. As a CFO or Credit Manager, you eventually hit a fork in the road where standard letters of demand no longer cut it. You are left with a

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Emolument Attachment Orders (Garnishee Orders) in South Africa

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Published by Kredcor Khuluma | Commercial Debt Recovery Specialists | Johannesburg, South Africa Registered with the Council for Debt Collectors of South Africa (Reg Nr 0016365/06) | ADRA Member Nr 474 | 26 years’ unblemished track record Quick Answer: An emolument attachment order (EAO), widely known as a garnishee order, is a court-issued instruction that

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The Complete, Actionable Guide to Default Judgment in South Africa: How It Works and When to Use It

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Default judgment in South Africa is one of the most powerful — and most underused — legal tools available to business owners, credit managers, and CFOs who are owed money. In plain terms: if your debtor ignores a summons, you don’t have to drag them through a lengthy court battle. You can apply for judgment

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POPIA and Debt Collection: What Debt Collectors Are (and Aren’t) Allowed to Do With Debtor Data — The Essential Guide

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If you’re an SME owner, credit manager, financial manager, or CFO in South Africa, the intersection of POPIA and debt collection is one you simply cannot afford to misunderstand. The Protection of Personal Information Act (POPIA) completely changed the rules around how debtor data is collected, stored, used, shared, and deleted — and the penalties for getting

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The In Duplum Rule Explained: How Interest Caps Powerfully Affect Your Collections

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By Kredcor — South Africa’s Commercial Debt Recovery Partners | Registered with the Council for Debt Collectors (Reg Nr 0016365/06) | 26+ Years of B2B Collections Experience If you are a credit manager, CFO, financial manager, or SME owner, here is something you need to know right now: the In Duplum Rule is one of

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The Definitive Guide to Prescription of Debt in South Africa (2026 Update): When Is a Debt No Longer Collectable?

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By Kredcor — South Africa’s Commercial Debt Recovery Partners | Registered with the Council for Debt Collectors (Reg Nr 0016365/06) | 26+ Years of Unblemished Experience The short answer: In South Africa, most commercial debts prescribe — meaning they become legally unenforceable — after three years from the date the debt became due, under the

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Proven Recovery Playbook: The Code of Conduct for Debt Collectors: Why Ethical Collections Result in Better Recovery Rates

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If you manage cash flow, credit risk, or overdue accounts, here’s the short version: ethical debt collection is not “soft” debt collection — it is smart, compliant, and more effective debt collection. The businesses that recover faster (and protect relationships, reputation, and legal position) are usually the ones that use a clear process, proper documentation,

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Ultimate Guide to the Section 129 Notice: What It Is and Why It Matters

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Hey there, if you’re a busy SME owner, credit manager, or financial whizz juggling invoices and chasing payments in South Africa, you’ve probably heard whispers about the Section 129 Notice. It’s that critical letter that can make or break your debt recovery game. Stick with me – this guide will arm you with everything you need

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