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CCL — The Reality Check (test)

After the postponement

The Reality Check

We've stopped the auction, or pulled your matter off the unopposed roll. That's bought you months — not a way out, but a window. The Reality Check is where you get honest with yourself first, so we can build a plan that actually lasts.

Auction stopped Off the unopposed roll Hearing postponed

Before we begin

Are you a new or an existing client?

This tailors the check to where you are with us.

Welcome. Work through the questions below as best you can — the answers are what we need. There's nothing you have to upload; if you happen to have documents on hand you can add them at the end, but don't let paperwork hold you up.

We're taking your matter to the next level — thank you for your loyalty.

Now we need your current information so we can get your plan sorted and reach finality. The credit providers cannot wait forever — they are tightening their processes to execute, and High Court costs are exorbitant. The clearer your picture today, the stronger the position we hold for you.

Time bought is time to think — clearly

WE’VE STOPPED THE AUCTION AND HELD YOUR MATTER BACK — BUT STOPPED IS NOT GONE. We’ve taken control of the urgent part, because right now WE KNOW EXACTLY WHAT IS GOING ON. The next step is for YOU to see it just as clearly — so you are never caught in this position again. AWARENESS IS YOUR REAL PROTECTION.

If your opposed motion was postponed in, say, May, it comes up again around October. That gap isn't time to hope the problem disappears — it's time to face your numbers and choose your path while you still hold the cards.

The most important honesty here isn't with us. It's with yourself. Once you've done that, the plan almost writes itself.

1Face your numbers
2See your branch
3We build the plan

Consumer Credit Law — The Reality Check

Your Reality Check

Fill this in honestly

Keep it private, print it, or send it to us — your call. Be general; we don't need your payslip yet, just the truth so the plan has longevity.

AYour matter

Which matter(s) do you need help with? Select all that apply.

Existing clients — we need the whole picture. Even if we're only saving your house, tick everything that applies here — the car, the school fees, the levies, all of it. Every one of these affects what you can realistically afford, and we can't build finality on half the picture.

Do any other accounts have a summons or judgment, or are worrying you? List anything not shown above.

Have you received a summons? A court paper demanding payment or that you appear in court.

Do you have a court date?

If you know the (postponed) court date, pick it here. Leave blank if you’re not sure.

Have you moved address since this debt started? This is important: a summons can be served at your old address — even affixed to the gate — so it can count as delivered even if you never saw it.

BKnow your debt

How much is in arrears on each account? Include every account with a summons or judgment, or that you've fallen behind on.

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Total arrears across all accounts
R0

Do you have your full statement from inception?

Do you know the interest charged on the arrears?

Do you know the legal fees that have been added?

CIncome & expenses — be general, be honest

Monthly income

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Monthly expenses — fill in what applies

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Total monthly expenses
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Money left over
R0

How certain is your income over the next 12–24 months?

Are you self-employed?

DWhat can you realistically carry?

Going forward, can you keep up your normal monthly commitments — bond, car, levies, school fees, medical aid and the rest?

On top of that, what could you put toward arrears each month?

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If it came to it, which of these would you consider? Tick any. Sometimes letting go of one thing saves the rest.

EWho this affects

Is your family's stability tied to this property — children's schooling, or elderly family living there?

FYour numbers & documents

This is where you take ownership of your own matter. The more you know about your own numbers, the stronger the plan we build.

Are you employed or self-employed? This tells us which income documents apply.

Statements we need from you

This part is not optional. To reach finality we need current downloads of your statements. Please obtain and upload:

  • Proof of income — choose employed or self-employed above and we’ll tell you exactly what.
  • Your latest bond statement
  • Your latest levy statement (body corporate / HOA)
  • Your latest vehicle finance statement
  • Any summons or court papers you have received

Documents — only if you have them

Your answers above are what we need to get started, so please don't stress if you don't have paperwork yet. If you do happen to have any of these, adding them helps:

  • Proof of income (a payslip, or invoices and bank statements)
  • Bond, levy or vehicle statements
  • Any summons or court papers

UPLOAD YOUR DOCUMENTS AT THE BOTTOM OF THIS PAGE

When you have your documents together, scroll to the secure upload form at the very bottom of this page — that is the one place to send them to us. The more we can see, the stronger the plan we build.

Your exact monthly instalments The real amount on your statement — not the arrears. Get the exact figure off your latest statement, give us a rough estimate, or ask us to pull it for you.

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HOW LONG YOU HAVE TO CLEAR YOUR ARREARS

Your arrears are paid on top of your normal monthly instalment, and the whole plan realistically has to land inside one of these windows:

12 months 24 months 36 months max

36 MONTHS IS THE ABSOLUTE MAXIMUM. Banks and the courts will not allow arrears to be stretched longer than that, and consumer-credit rules keep tightening. The shorter your plan, the stronger your position — so work out what you can genuinely put toward arrears each month and be honest about it.

Do you have an estate agent? Important: at the end of the designated period we can't extend the defence further. If selling becomes the path, you'll want an agent ready — a planned sale always beats a forced auction.

BE HONEST WITH YOURSELF FIRST — IT MATTERS

You cannot run from debt forever. It catches up with you — and so does the interest, which keeps growing every month you wait. The sooner you face it honestly, the more options you keep.

So you need to know exactly what is going on. Gather every document and email you have received, summarise them, and send them to us — that is what lets us tell you how to move forward on your matter.

From what you submit, we build your strategy around one of three honest routes:

1 — STRUCTURED REPAYMENT 2 — FULL LEGAL DEFENCE 3 — AN HONEST EXIT

Which one fits you? We work on your responses and base our strategy on them. And if your numbers show it is really bad — there is no shame in an HONEST EXIT. Tell us. It is always better to introspect and know where you stand than to be caught by surprise.

Please choose at least one matter and fill in your arrears and income so we can read it properly.

Your reading

Your branch of the tree

Recommended

Structured repayment

12–24 months

You carry the going-forward installment and clear the arrears over a realistic 12 (minimum) to 24 months — without signing a 30-year judgment.

Worth considering

An honest exit

On your terms

A planned private sale or voluntary surrender protects you far better than a forced auction and a shortfall you can't control.

Your Reality Check summary


        


        

          

            
Take your reading with you

            
Download or print your Reality Check, then upload it — together with your statements and any court papers — in the secure form at the bottom of this page. That's how we pick it up and turn these numbers into a realistic plan; where the matter has to be fought, our independent affiliate attorneys handle the court process.

          

          

            

          

          

            
            
          

        

      


    

  


  
  

    
    

      
Before you phone the bank yourself

      
Read this first

      
Approached directly, a credit provider will, at best, offer you a six-month arrangement: your arrears divided by six, added on top of your normal installment. In our experience it almost always comes with two strings attached.

      

        

          
Consent to judgment

          
They'll ask you to sign it. A judgment can stand against you for up to 30 years, and it lets them attach and sell the property.

        

        

          
One missed installment

          
Miss a single payment on that steep six-month deal and the judgment can be enforced — repossession and sale follow.

        

      

      
That's why we structure arrears over a realistic 12 to 24 months instead — so you clear the debt without handing over a 30-year hold on your home. Where the matter needs to be fought, that's done by our independent affiliate attorneys.

    

  


  
  

    

      
What's really at stake

      
We say this plainly, not to frighten you, but because the decisions you make in this window are the ones that matter. Once judgment is taken:

      

        
The bank wants it all
The arrangement falls away and the full arrears — often the whole balance — become due.

        
Repossession & sale
The home or vehicle is sold in execution, frequently to investors who buy low at auction.

        
Sequestration
Your entire estate passes into the hands of a trustee — not just the one debt.

        
Liquidation
The whole company is handed to a liquidator, and control is gone.

        
The shortfall
If the auction price doesn't cover the debt, you can still be liable for what's left.

        
Your family
Eviction, children moved from their schools, elderly parents displaced, and the strain that puts on a marriage. This is the real cost.

      

      
None of this is inevitable. It's exactly what the window — and an honest plan — exist to prevent.

    

  


  
  

    

      
Don't face this alone — and don't decide in a panic

      
Do your Reality Check, then talk to us. We'll show you the honest options, even the ones that aren't a sale.

      

        Call 087 551 3009
        
      

      

        
8,700+Clients Served

        
3,035Homes Saved

        
5,655Vehicles Saved

        
20+Years

      

      
Consumer Credit Law is a specialist consumer-credit consultancy, not a law firm. We assess matters, build the opposition and structure realistic arrangements; court litigation is conducted by our independent affiliate attorneys. This page is general information, not legal advice, and nothing here guarantees a particular outcome.

    

  


  












				

				

					

		

					

		

				

						

					

			

						

				

					




  

    
Documents

    
Upload Your Documents

    For all clients — new & existing
    
Send us your summons and court papers, your bond, levy and vehicle statements, and your payslips or invoices — securely, right here. The more we can see, the stronger and more realistic the plan we build for you.

    
      
      Comes straight to our team — nothing is shared.
    
  



				

				

				

				

							


						

				

					

		

					

		

				

		
		
			


	



			
		



			
			


  
  

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