Our Experts Handle Debt Collectors For You
Harassing calls? Threats? Once you are our client, we handle all communication with debt collectors, protecting you from illegal tactics.
Dealing with debt collectors can be stressful and intimidating. Their entire job is to pressure you into paying. At Dispute It, once you become our client, our policy is simple: we take over all communication. You will never have to speak to a debt collector again.
Our team is trained to handle them, protect your rights, and stop the harassment. The conduct of debt collectors is governed by the Debt Collectors Act, and we are experts in enforcing it.
What Debt Collectors Are Forbidden From Doing
When we represent you, we ensure collectors do not break the law. Illegal tactics include:
Harassment and Abuse: Calling you excessively, at unreasonable hours, or using abusive language.
Making False Threats: They cannot threaten you with imprisonment (which is illegal for civil debt in SA) or legal action they don't intend to take. They cannot pretend to be lawyers or court officials.
Breaching Your Privacy: They are legally forbidden from discussing your debt with your employer, family, or friends.
Collecting on Prescribed Debt: It is illegal for them to even attempt to collect on a debt that has legally expired (prescribed). Our experts are trained to spot this immediately.
Adding Unlawful Fees: We scrutinize every cent they claim, ensuring no illegal collection costs have been added.
The Dispute It Communication Protocol
- Cease and Desist: The moment you sign with us, we send a formal notice to all your creditors and their collectors. This notice instructs them to cease all contact with you and to direct all future communication to our offices.
- Debt Verification: We demand full, written verification of every debt they claim you owe. We require the original contract, a full statement of account, and proof of their legal authority to collect. This step alone often exposes invalid claims.
- Legal Scrutiny: Our experts analyze the debt for any legal flaws. Has it prescribed? Were you charged incorrect fees? Was the original agreement compliant with the National Credit Act?
- Negotiation from a Position of Strength: Because we operate from a basis of legal expertise, we negotiate with collectors on your behalf from a position of power. We negotiate settlements or payment plans that are both fair and legally sound.
- Protection from Self-Incrimination: By handling all communication, we prevent you from accidentally saying something that could, for example, revive a prescribed debt.
Do not endure the stress of dealing with debt collectors. This is a specialized area requiring a firm, expert approach. Contact Dispute It, and let us be your shield and your advocate.
The credit repair process is complex and requires specialist knowledge to ensure success. Don't risk handling it alone. Our experts at Dispute It are ready to manage your case and deliver results.