News

A legally compliant debt collection call centre does far more than make phone calls. In South Africa, every interaction with a debtor must comply with POPIA, the National Credit Act, the Debt Collectors Act and ethical collection standards. This article explains how compliant call centres operate, what consumers’ rights are, and what businesses should expect from a professional collections partner.

Late payment is more than a cash-flow problem. This article explains the legal risks South African businesses face when customers fall behind on payments, including prescription, loss of evidence, insolvency risks, and reduced recovery options.

A clear guide explaining what happens when a debt is handed over to attorneys in South Africa—covering demands, call centre engagement, litigation, judgment, and enforcement.

A clear guide explaining what happens when a debt is handed over to attorneys in South Africa—covering demands, call centre engagement, litigation, judgment, and enforcement.

A clear, step-by-step guide explaining how the debt collection process works in South Africa — from internal demands, handing over to attorneys, call centre engagement, litigation, to enforcement of judgment. Ideal for individuals and businesses wanting to understand their rights and options.

South Africa recognises different types of marriages, each governed by specific legislation. Below is an overview of civil, customary, and civil union marriages, along with legal developments affecting Muslim marriages. 1. Civil Marriage A civil marriage is regulated in terms of the Marriages Act 25 of 1961 . Requirements for a valid civil marriage: The marriage must be between a man and a woman. The marriage must be solemnised by a person legally appointed or authorised to a

The harrowing plight of illegal miners at the Buffelsfontein Gold Mine in Stilfontein, North West, has captivated the nation and raised...

As legal professionals, we're all well aware of the critical role that domicilium citandi et executandi  plays in ensuring that service...

The National Credit Act 34 of 2005 (NCA) plays a critical role in regulating debt collection in South Africa. It aims to promote fair, transparent, and responsible credit practices while protecting consumers from unscrupulous lending and collection methods. For businesses extending credit, understanding and complying with the NCA is crucial to avoid legal pitfalls and maintain ethical practices. Who Does the National Credit Act Apply To? The NCA primarily governs transactions

In South Africa, many individuals underestimate the importance of drafting a will, leaving their loved ones vulnerable to legal challenges and uncertainties. A will, or “testament,” is not just a document—it is your voice, your final say in how your estate will be distributed and who will care for your dependents. Without it, your estate may not be administered according to your wishes, leading to potential financial and emotional strain for your family. Here, we explore why

Mora interest is charged when payments are late, and no interest rate was agreed upon. It’s based on the common law right to claim damages for late payments. The Prescribed Rate of Interest Act, 55 of 1975 , determines the rate, which is the Repo Rate plus 3.5%. Key Cases The Supreme Court of Appeal  in Land Agricultural Development Bank of South Africa v Ryton Estates (Pty) Ltd and Others  stated that interest is the "life-blood of finance." If not agreed otherwise, the mora

The case of George Moerasrivier Boerdery (Pty) Ltd v Director of Animal Health, Department of Agriculture, Land Reform and Rural Development and Another (715/2023) [2024] ZAWCHC 175 (21 June 2024)  represents a pivotal moment in South African jurisprudence regarding government compensation for livestock culled in response to disease outbreaks. This case, decided by the Western Cape High Court in Cape Town, delves into the statutory interpretation of compensation provisions un

The scenario presented involves Bank A seeking to recover an outstanding balance of R150,000 on a personal loan taken out by Mr. X....

As the winter chill settles over Potchefstroom, the importance of maintaining a professional appearance while staying warm becomes a...

South Africa, with its diverse political landscape and multiparty system, often sees the formation of coalition governments. These...

As we approach Worker's Day in South Africa, it's a time not only to reflect on the struggles and triumphs of the past but also to celebrate the diverse tapestry of our nation. At VSF Attorneys, where diversity is not just a buzzword but a lived reality, we find it fitting to delve into the historical significance of this day and its resonance with our firm's ethos. Origins of Worker's Day: Worker's Day, celebrated annually on May 1st, has deep roots in the labour movements o

As a reputable law firm specializing, among others, in debt collection, we are constantly monitoring legal developments that impact our...

In the realm of law firms, the layout and design of the office space can significantly impact workflow, collaboration, and overall productivity. At our firm, we've adopted a unique approach to our office setup, eschewing cubicles for open spaces. Pros: Promotes Collaboration:  An open layout fosters a culture of collaboration and communication. With long tables seating multiple individuals on each side, attorneys and staff members have easy access to one another, facilitating

At VSF Attorneys, we believe in more than just practicing law; we're committed to embodying sustainable practices that not only benefit...

“March 21 is the day on which we remember and sing praises to those who perished in the name of democracy and human dignity.” Nelson Mandela Most public holidays in South Africa have great historical significance as they serve as reminders of the painful history South Africans have as a nation. Human Rights Day is one of those public holidays when South Africans remember those who lost their lives fighting for freedom. This day is more than a public holiday; it is a reminder