For many middle-class South Africans, keeping up with everyday expenses is becoming more and more difficult.
Grocery prices have shot up, electricity is almost five times more expensive than it was 15 years ago, and fuel isn’t far behind.
Combine that with a prime interest rate that’s nearly doubled since the pandemic—from 7% to nearly 11%—and it’s no surprise that monthly budgets are being stretched to breaking point.
A Growing Debt Crisis
With salaries lagging far behind inflation, more South Africans are falling behind on their bills.
According to a recent report from Experian, over 10 million people in the country are currently more than three months overdue on various loan or credit repayments.
And when that happens, the next knock on the door is often from a debt collector.
But while the pressure is real, not all debt collectors play by the rules—and some are downright shady in their tactics.
Debt Collectors Are Crossing the Line
Experian has raised concerns over how some debt collectors are operating in South Africa, with reports of aggressive, manipulative, and even illegal practices being used to collect money from consumers.
The Citizen reports that these tactics are not only unfair but are also a direct violation of consumer protection laws.
Know Your Rights Before You Panic
In stressful financial situations, it’s easy to forget that you actually have rights.
If a debt collector comes knocking, here’s what the law says you’re entitled to:
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You get a grace period: If you receive a Section 129 notice (a warning that legal action may follow), you legally have 20 days to respond before any court action can begin.
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No harassment allowed: Debt collectors are not allowed to contact you after hours, threaten you, or use intimidation. If they do, you can report them to the Debt Collectors Council.
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You can negotiate: You’re allowed to discuss repayment options. Don’t be afraid to ask for a payment plan or look into debt mediation services.
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Old debts can expire: If a creditor hasn’t contacted you about a debt for three years or more, the debt is considered “prescribed” and can no longer be legally collected.
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They must be legit: All debt collectors must be registered and must provide proof of the debt they’re collecting. If they can’t prove it, you’re not obligated to pay.
Don’t Be Bullied—Take Action
Too often, people are overwhelmed and intimidated into paying debts they don’t actually owe—or overpaying when they don’t have to.
That’s why it’s so important to stand up for your rights and question any debt that seems suspicious or aggressive.