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If your debt repayments have become unaffordable, you may be able to negotiate lower payments with creditors. The key is making sure the new arrangements actually make your overall financial position sustainable.

Trying to get out of debt? Start by understanding what you owe, what you can afford and whether selling financed assets, negotiating repayments or another debt solution could help.

Sequestration does not automatically mean that your salary is attached or taken by the trustee. You can continue earning an income and supporting your household, while qualifying debts are dealt with through the insolvent estate. However, sequestration has legal and administrative costs that must be funded. Understanding what happens to your salary, pension benefits, RAF compensation and inheritance can help you make an informed decision before proceeding.

Worried about losing your house or car during sequestration? We explain what happens to financed assets, outstanding balances and shortfalls, and how these assets can form part of resolving your debt.

Running your own business brings freedom, but it also comes with financial risks. When cash flow strains or debts pile up, many self-employed individuals face a harsh reality: insolvency. If you work as a sole proprietor, understanding how insolvency works can help you make informed decisions and protect your future. So, what does insolvency mean for a sole proprietor or a self-employed person in South Africa?

Sequestration can put your personal relationships, especially your marriage, in a tough spot. Many couples facing financial struggles ask how sequestration affects married life in South Africa. While sequestration offers legal relief from overwhelming debt, it also introduces emotional, legal, and practical challenges. Understanding these impacts can help couples prepare, communicate better, and make informed decisions.

It’s understandable if people assume that financial ruin follows after sequestration forever. However, this belief creates unnecessary fear. The truth is more practical and less dramatic. Can you still work after sequestration in South Africa? Absolutely. Sequestration does not automatically stop you from earning an income, building a career, or supporting your family. Let’s talk about it.

Understanding the basics of sequestration in South Africa can help people understand how debt relief works when financial pressure becomes too much to manage. Many South Africans struggle with rising living costs, loan repayments, and unexpected expenses. That’s where sequestration can help. Let’s take a look at Sequestration 101—the basics of sequestration in this article.

Financial pressure can affect any business or individual. Rising debt, cash flow problems, and legal claims often create stress and uncertainty. During such situations, choosing the right insolvency practitioner in South Africa becomes an important step.

Many people use the terms insolvency and sequestration interchangeably, but they do not mean the same thing. Understanding the difference between insolvency and sequestration in South Africa can help individuals and businesses make informed financial decisions when debt becomes unmanageable. Let’s begin with understanding insolvency.

In South Africa, insolvency, also known as sequestration, has a direct and significant impact on the disposition of your assets. The Insolvency Act 24 of 1936 governs aspects of insolvency and the bankruptcy (or sequestration) process in South Africa. So, how does insolvency in South Africa affect your assets? Let's break it down in this article.

Considering sequestration as a debt relief option is never an easy choice. If you are thinking about sequestration in South Africa, the duration is also one of the main concerns. People wish to know how long they will be under financial restrictions and when they can start rebuilding their lives. Let us see how long sequestration takes in South Africa.

Debt can creep up on anyone. A job loss, medical emergency, slow business, or simply rising living costs can quickly turn the tables on you. A manageable situation can quickly spiral out of control with a debt that grows out of control. In this article, we will be reviewing a few debt relief options, including sequestration, in South Africa.

Voluntary sequestration is often misunderstood in South Africa. It is surrounded by myths and misconceptions that prevent many individuals from exploring it as a viable solution to unmanageable debt. While it might sound like a daunting legal process, let's understand the facts so that you can make informed financial decisions. In this article, we debunk the top five myths about voluntary sequestration and clarify how it works in South Africa.

Sequestration is a formal legal process in South Africa that allows an insolvent individual to be declared bankrupt, so that a court-appointed trustee can take control of their estate. The goal of sequestration is to ensure that creditors receive a fair and orderly distribution of what an insolvent person can offer. But one of the most common and most misunderstood questions is whether sequestration is possible when a debtor has no assets at all. Is Sequestration possible wit

So, you have been declared insolvent by your creditors or you have voluntarily surrendered your debt through a process called sequestration. Your credit score is poor and you are unable to access any credit. Is there any hope? Of course there is! The law does not forget about you after you sequestrate or declare yourself to be insolvent. There is a way to restore your credit status and resume a normal life. In this article, let's understand credit rehabilitation and how it ca

Debt Review and Sequestration are legally regulated debt solutions offered to consumers in South Africa to assist with managing debt. In this article, we discuss the difference between Debt Review and Sequestration in South Africa and also which of the two may be the best possible solution for your specific financial situation.

Bankruptcy may provide you with the debt relief you seek when you are neck-deep in debt and see no other way out. It is a voluntary debt solution that can write off a large portion of your debt. If you are genuinely unable to meet your unsecured debt obligations and repayments, bankruptcy is the way to go. Let's see how you can apply for bankruptcy in South Africa.

When you find yourself in a financial pinch and have exhausted all the options to recover, sequestration or liquidation becomes a prime choice. But what's the difference between the two? In this article, we discuss the key difference between Sequestration and Liquidation in South Africa. Furthermore, we shall also see the key differences in the legal procedure of the two.

In South Africa, the cost of sequestration depends on the complexity of the case as well as specific legal fees. Here is a detailed explanation of what to expect.