Insolvency is a collective term that describes all applications (personal or business) that is described in the Insolvency Act of 1936

Personal insolvency can include terms like sequestration, voluntary surrender of estate, bankruptcy among others. These cal all be applications brought by you, or when forced, by someone that wants to declare you insolvency

Business insolvency is always known as Liquidation. It can also be voluntary or forced

Only personal insolvent estates can be rehabilitated by an application to the wffect

Free Insolvency advice

Thank you for your fast service. With your help we did not have to return our vehicle to the bank.

Michelle Venter, Pretoria

I was skeptic about the process but you made it effortless. We will recommend you to anyone that needs debt counselling advice

Manfred White, Vereeniging

Dankie vir julle hulp om ons huis veiling te stop. Daar was geen ander uitweg voordat ons met julle gesels het nie. Puik!

Jan van Rensburg, Polokwane

The process was explained to us in full without any “afterward surprises”. The online applications went without any hiccups

Shanice Creft, Cape Town

Thanks for helping us pay all our accounts and keeping our furniture.

Mandla Rakgota, Seshego

Debt counselling and Debt review

Debt counselling and Debt review


Voluntary sequestration