Specialists who stand between you and the bank.
Consumer Credit Law is a specialist consumer credit consultancy. For over 20 years we have helped people and businesses across South Africa defend their homes, vehicles, and livelihoods against repossession, sale in execution, judgment, and financial distress.
A consultant reviews every enquiry. We act for you, never for the banks.
Talk to a specialist
Tell us where you stand. A consultant reviews every enquiry and comes back to you.
A consultancy built to defend borrowers.
Consumer Credit Law is a specialist consumer credit consultancy focused on credit law, debt enforcement defence, and financial restructuring. We are not a law firm and our consultants are not admitted attorneys. We assist people and businesses facing vehicle repossession, sale in execution, judgment enforcement, debt review complications, and financial distress.
Our work centres on understanding the legal process, identifying procedural irregularities, and guiding timely, strategic intervention. With deep experience in matters arising from the National Credit Act and related court processes, we approach each case with precision and urgency. Where a matter calls for court representation, we coordinate with independent affiliate attorneys.
We understand that behind every file number is a family home, a business, a livelihood.
Early intervention changes outcomes.
Where there is time
We use it. The earlier a matter reaches us, the wider the range of lawful options still open to you.
Where there is a defect
We identify it. Enforcement often rests on notices and steps that must be done properly, and frequently are not.
Where negotiation is possible
We pursue it. Sometimes the strongest outcome is a settlement or restructure rather than a fight.
Protect rights. Preserve assets. Honestly.
Our objective is simple: protect your rights, preserve your assets, and implement lawful solutions within the framework of South African credit legislation, with no false promises. If we cannot improve your position, we will tell you.