On the warpath

On the warpath
On the warpath

Saturday, July 1, 2023

The Do's and Don'ts of Debt counseling

 

I have not recently revisited this page but in the past month, I have been inundated by requests for help with people being contacted about old debt that very evidently has been prescribed to entice them to start paying. And there is a definite sudden action from financiers to make use of collection Attorneys threatening people with summonses. This is worrisome and an indication that the economy is making it problematic for a lot more people to survive. Interest rates are skyrocketing and salaries are not
There is also an increase in all sorts of advertisements enticing people to go for Debt counseling. Debt counseling per see is not a swear word but beware of how it is handled and with whom you engage in the process.
As a retired banker I understand the challenges facing debtor clients and for this reason, I have assembled a team of experts to help you in making the right decision. Our first interview is free and we will guide you to enable an eventual debt-free future
Send me an email at brandow@law.co.za or a WhatsApp to 082 222 5002 and I will call you

Wednesday, February 1, 2023

INABILITY TO PAY SCHOOL FEES AND POSSIBLE LEGAL ACTION RESULTING FROM THIS

 

The issue of parents being summoned and getting default judgments against them for not paying school fees is the issue here.

I am going to guide parents on how to handle the situation. If you follow my lead, there is no way a school will succeed in getting a judgment against you unless you legally do not qualify, and you do not pay school fees.

Background:

1.       FOR THE GOOD OF THE CAUSE MAKE COPIES OF EVERY COMMUNICATION WITH THE SCHOOL AND LET SOMEONE SIGN FOR RECEIVING ANY DOCUMENTATION FROM YOU.    The best method would be to send emails to the school and request delivery and read receipts.

2.    Record all communications with the school no matter with whom you speak regarding the issue of school fees.  This can be used in any legal fight you might end up in. And the law says that you do not have to inform anyone that you are recording them if you are part of the conversation. All cell phones have a recorder as an app available. If you speak to them telephonically record the conversation on another phone. You can file these recordings electronically.  

3.       If you cannot afford to pay school fees to public schools the law provides you with a means to get an exemption if you qualify.

4.       The school administration (and by implication, this is the responsibility of the principal) must supply you with the necessary forms to apply for an exemption. There is no prescribed      pre- approval system.

5.       Qualifications are prescribed in the South African Schools act 84 of 1996 that came  effect    on the 1st of January 1997, and Circular 86/2007 Date:  04 December 2007 

6.       The basic requirement is that the school MUST supply you with the prescribed forms as per    the act whenever you request this.

7.     THE ONLY QUALIFICATION IS YOUR GROSS INCOME and nothing else.

8.     You must be able to PROVE your gross income beyond any doubt.

9.       If you are employed you will be able to supply payslips.

10.   If for any reason the school requires bank statements, and you have nothing to hide give it to them. Be nice.

11.   If the school requires of you to submit an affidavit of any sort and you have nothing to hide supply them with it.

12. If the school requires of you to supply stamped documents from banks that you do not do business with, politely refuse.  This is an illegal requirement, and it cannot influence the approval of your request. (See points 1 and 2 above)

13.   The school CANNOT request details of assets and liabilities or income and expenditure details.  These are illegal requirements, and you can politely deny their requests. (See points 1 & 2 above)

14.    IN ALL COMMUNICATIONS DIRECT YOUR CONTACT TO THE PRINCIPAL.

15.   KEEP CLINICAL RECORD OF ALL YOU DO and all reactions you receive from the    school  AS IF YOU EXPECT THE WORST.

16.   If your request is denied ask for specific reasons in writing. The ONLY REASON can be that you do not qualify in terms of the Act quoted above or that the school might suspect that you are lying about something. They have to give this to you in writing ( see points 1 & 2 above)

17.   If it is approved – good luck!  But if you can afford to pay for something please do so.

 

Now let us get to the worst-case scenario.

 

Summons and Judgments

 

The law requires the school principal in person to address the problem of non-paying parents by contacting them personally about this. If this happens keep a record of the interaction (Points 1 & 2 above)

If you do not apply for an exemption or you do not qualify for an exemption you are legally in default and the school can issue a summons against you, get a judgment against you, and follow every step that the law allows them to get the money from you. This can include a garnishee order against your salary or attachment and selling off your assets.

 

Now it seems that some schools deny an exemption for illegal reasons and then go ahead and summon parents.    If you are one of those and you have your written or recorded records you have a 100% chance of winning any action against you. BUT YOU MUST DEFEND THE ACTION. ( this is easy to do yourself – there are documents in the summons that you can fill in and send back to the attorney- see points 1 &2 Above)  Once a default judgment has been taken against you it is practically impossible to rescind it without using a lawyer which is probably going to cost you more than the original school fees.

 

Although it is your good right to refuse to give a school details of your expenses a court might frown about you paying nearly R900 for DSTV while claiming you cannot afford to pay school fees. I don’t say it will get to that, but I just want to make a point here.

 

 

Here is a blog post I wrote a while back that gives insight into what the LAW SAYS ABOUT EXEMPTION :

 

https://activeconsumers.blogspot.com/2018/03/march-2018-government-schools-and.html