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CCL — The Reality Check (test)

After the postponement

The Reality Check

We've stopped the auction, or pulled your matter off the unopposed roll. That's bought you months — not a way out, but a window. The Reality Check is where you get honest with yourself first, so we can build a plan that actually lasts.

Auction stopped Off the unopposed roll Hearing postponed

Time bought is time to think — clearly

If your opposed motion was postponed in, say, May, it comes up again around October. That gap isn't time to hope the problem disappears — it's time to face your numbers and choose your path while you still hold the cards.

The most important honesty here isn't with us. It's with yourself. Once you've done that, the plan almost writes itself.

1Face your numbers
2See your branch
3We build the plan

Consumer Credit Law — The Reality Check

Your Reality Check

Fill this in honestly

Keep it private, print it, or send it to us — your call. Be general; we don't need your payslip yet, just the truth so the plan has longevity.

AYour matter

Which matter(s) do you need help with? Select all that apply.

Do any other accounts have a summons or judgment, or are worrying you? List anything not shown above.

When is the next (postponed) court date, if you know it? Pick it from the calendar.

BKnow your debt

How much is in arrears on each account? Include every account with a summons or judgment, or that you've fallen behind on.

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Total arrears across all accounts
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Do you have your full statement from inception?

Do you know the interest charged on the arrears?

Do you know the legal fees that have been added?

CIncome & expenses — be general, be honest

Monthly income

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Monthly expenses — fill in what applies

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Total monthly expenses
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Money left over
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How certain is your income over the next 12–24 months?

Are you self-employed?

DWhat can you realistically carry?

Going forward, can you keep up your normal monthly commitments — bond, car, levies, school fees, medical aid and the rest?

On top of that, what could you put toward arrears each month?

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If it came to it, which of these would you consider? Tick any. Sometimes letting go of one thing saves the rest.

EWho this affects

Is your family's stability tied to this property — children's schooling, or elderly family living there?

Please choose at least one matter and fill in your arrears and income so we can read it properly.

Your reading

Your branch of the tree

Recommended

Structured repayment

12–24 months

You carry the going-forward installment and clear the arrears over a realistic 12 (minimum) to 24 months — without signing a 30-year judgment.

Worth considering

An honest exit

On your terms

A planned private sale or voluntary surrender protects you far better than a forced auction and a shortfall you can't control.

Your Reality Check summary


        


        

          

            
Do you want Consumer Credit Law to guide you on this?

            
We'll help you turn these numbers into a realistic plan, and where the matter has to be fought, our independent affiliate attorneys handle the court process. Send your Reality Check through and we'll be in touch — or keep it private and print it.

          

          
Add your details to send it through, or keep it to yourself — entirely your call.

          

            

            

            

            

            
            

          

          
          

            
            
            Email it to us
            
          

        

      


    

  


  
  

    
    

      
Before you phone the bank yourself

      
Read this first

      
Approached directly, a credit provider will, at best, offer you a six-month arrangement: your arrears divided by six, added on top of your normal installment. In our experience it almost always comes with two strings attached.

      

        

          
Consent to judgment

          
They'll ask you to sign it. A judgment can stand against you for up to 30 years, and it lets them attach and sell the property.

        

        

          
One missed installment

          
Miss a single payment on that steep six-month deal and the judgment can be enforced — repossession and sale follow.

        

      

      
That's why we structure arrears over a realistic 12 to 24 months instead — so you clear the debt without handing over a 30-year hold on your home. Where the matter needs to be fought, that's done by our independent affiliate attorneys.

    

  


  
  

    

      
What's really at stake

      
We say this plainly, not to frighten you, but because the decisions you make in this window are the ones that matter. Once judgment is taken:

      

        
The bank wants it all
The arrangement falls away and the full arrears — often the whole balance — become due.

        
Repossession & sale
The home or vehicle is sold in execution, frequently to investors who buy low at auction.

        
Sequestration
Your entire estate passes into the hands of a trustee — not just the one debt.

        
Liquidation
The whole company is handed to a liquidator, and control is gone.

        
The shortfall
If the auction price doesn't cover the debt, you can still be liable for what's left.

        
Your family
Eviction, children moved from their schools, elderly parents displaced, and the strain that puts on a marriage. This is the real cost.

      

      
None of this is inevitable. It's exactly what the window — and an honest plan — exist to prevent.

    

  


  
  

    

      
Don't face this alone — and don't decide in a panic

      
Do your Reality Check, then talk to us. We'll show you the honest options, even the ones that aren't a sale.

      

        Call 087 551 3009
        
      

      

        
8,700+Clients Served

        
3,035Homes Saved

        
5,655Vehicles Saved

        
20+Years

      

      
Consumer Credit Law is a specialist consumer-credit consultancy, not a law firm. We assess matters, build the opposition and structure realistic arrangements; court litigation is conducted by our independent affiliate attorneys. This page is general information, not legal advice, and nothing here guarantees a particular outcome.