Rid yourself of financial woes

Outstanding debt is easier to sweep under the carpet than to deal with. Initially, you might find some solace in pretending, however, as time progresses, that bulge under the carpet will eventually become stress bulges that run down your neck and keep you up at night. Eventually the sound of a phone ringing will bring about anxiety, as it could possibly be one of your creditors following up or threatening to take legal action against you. That’s not even the worst of it all. The worst phase to enter is the one where you simply lose hope.

“Hope is like the sun, which, as we journey toward it, casts the shadow of our burden behind us.” Samuel Smiles

If you are having serious trouble repaying your debts and if you are ready to embark on the road to financial freedom, we at Legal Hero have the perfect solution: debt review. We do not offer this service personally, but have truly been inspired by Karin Augustyn from Cape Debt Clinic and her team to whom we refer all our financially distressed enquiries. Karin and her team’s compassion is beyond anything we have ever experienced in the overpopulated debt review industry. *

Debt review vs being placed under administration?

Debt review is often preferred to being placed under administration. Why?

Debt review offers greater consumer protection as the fees to the debt counsellor are strictly regulated by the National Credit Regulator. A debt counsellor will assess your state of indebtedness, offer sound financial advice and facilitate a debt rearrangement with your creditors. Should your creditors not agree to the debt rearrangement one may apply to court for an order confirming same. The debt counsellor will then manage all your payments from a central distribution agency on a monthly basis on your behalf.

Administration is more expensive and the fees to the administrator managing the payments are higher. A court order is required and the debt may not total more than R50 000. There have been many reports of irregularities in that the fees to the administrator are not properly regulated and there is no central distribution agency involved. In most cases the distributions to credit providers only occur every three months and are handled by the administrators themselves.

How long does debt review take?

Nothing is a short-term fix. You will need to commit. The goal is to get you debt-free within a period of 3-5 years. Depending on your circumstances, this could happen much sooner. For a detailed timeline elaborating on what happens from day 1 – the day of your financial freedom, visit this link:

http://www.capedebtclinic.co.za/Debt_Review_timeline.html

Visit this link for answers to other frequently asked questions regarding debt review:

http://www.capedebtclinic.co.za/Debt_Review_FAQ.html

Contact Cape Debt Clinic (not limited to the Western Cape) on 021 828 2658 for a free first consultation to assess your needs.



* Please note that Legal Hero does not receive commission/ referral fees for referrals to Cape Debt Clinic.

#16Days #orangetheworld

As you may know, the 16 Days of Activism for No Violence against Women and Children campaign runs from 25 November - 10 December each year. While it is very important to support the 16 day campaign, we also need to remember that the emancipation of women and children is a 365 days a year undertaking. #orangetheworld #16Days

October 2015 Hero of the Month Award

Our Hero of the Month Award goes to Warrant Officer Hlela based on his remarkable conviction rate! We applaud his bravery and dedication to the investigation that helped ensure the following convictions and sentences:

1. ACCUSED NO.1: 7 COUNTS OF RAPE: SENTENCE: 7X LIFE IMPRISONMENT; 

2. ACCUSED NO.2: 5 COUNTS OF RAPE: SENTENCE: 5X LIFE IMPRISONMENT AND 12 MONTHS ON COUNT OF THEFT OF CELLULAR PHONE.

From right to left: Pinetown Cluster Commander Brigadier van Rensburg, National Business Executive Mr. Madonda, Warrant Officer Hlela and Vispol Commander Brigadier Mgobhozi. 

We salute the brave men and women in SAPS who keep us safe.

Yours truly, 

Legal Hero 

www.legalhero.co.za 

Child Maintenance - Seven Basic Points to Remember

Our social@legalhero.co.za mailbox has been flooded with child maintenance questions. We have compiled a short information piece to shed light on the many uncertainties surrounding this topic.

Please note that this piece is compiled from the viewpoint of our many female Women’s Month readers. It is, however, not uncommon for fathers to be the principal caretaker of the child/ children these days and to apply for child maintenance against the mother.

1. Both parents need to contribute financially based on what each parent earns and can afford. If the father earns more and has more resources available to him, he may be ordered to pay more than the mother. Even where the mother is in a good financial position and able to take care of the child on her own, this does not exempt the father. The court can order him to pay something based on what he can afford;

2. The court will consider the following before making an order: the best interests of the child is always paramount. They will also consider circumstances, the reasons provided by both parents during the maintenance hearing, both parents’ salary slips, last three months’ bank statements, slips proving previous contribution towards the child’s expenses, the needs of the child, if the child has become accustomed to a certain living standard before the parents’ split or not and furthermore ask each parent to complete an income and expenditure list;

3. Sometimes the father will dispute paternity and this will delay proceedings. The court or the father may send a referring letter requesting a paternity test. A DNA test costs in the region of R2 000 and it is usually the man (he who denies paternity) who pays. If the man refuses to undergo a paternity test (one does have the constitutional right to bodily integrity), the court must warn him of the impact his refusal might have on the court’s decision. There is a presumption in our law that he who had intercourse with the mother at a time at which the child could have been conceived, is considered to be the father of the child unless there is evidence proving otherwise;

4. If the father is unable to support his children, the mother can institute maintenance proceedings against his parents (the grandparents). The following must be shown in order to succeed: a) the grandparents are in a position to support the child and b) the child’s maintenance requirement;

5. In some instances, parents need to contribute financially even after the child turns 18. This is where the child remains dependent (full time student or unemployed). The maintenance application must be brought in the adult child’s personal capacity. In other words, it is he/ she who needs to complete the maintenance application forms – no longer the mother or father claiming maintenance from the other parent;

6. The father cannot discontinue maintenance payments due to the mother denying him visitation rights. Visitation (contact) and maintenance are two separate parental responsibilities and rights and the one does not necessarily influence the other;

7. How to apply…

a)      For a Maintenance Order where there is no court order in place: collect as much information as possible as referred to in point 2 above. Visit the Maintenance Division of the Magistrate’s Court and complete Form A [J101] - Application for Maintenance Order. You may ask the Clerk of the Court for assistance. Claiming maintenance is free and no legal representation is necessary. If you are a Legal Hero Policyholder, you may contact your hero for assistance with the application. Note that legal representation may be arranged in the instance where the other party is represented.

b)      When you want to change the current Maintenance Order you need to complete a Form I [J256] - Application for Variation/Setting Aside of an Order. Circumstances change. An example is when the child suddenly falls ill and it leads to greater expenses. In such an instance, the mother can apply for an increase in the maintenance amount paid by the father. Remember copies of doctors’ bills, etc. as proof.

c)       For the enforcement of an existing Maintenance Order you need to go back to the Maintenance Division together with the existing Maintenance Order and proof of non- payment. Complete Form K [J306] - Application for Enforcement of Maintenance or other Order. The court may then order a garnishee against the father’s salary or the execution (selling) of his assets.

Have a blessed weekend, 

Legal Hero 

www.legalhero.co.za 

Here's to strong women

“You strike a woman, you strike a rock!” 

– Women’s March (9 August 1956) resistance song. The march was in protest of the pass laws restricting black men from entering the cities. Women from all races joined forces and marched to the Pretoria Union Building to hand over a petition. 

Fifty nine years later there remains an uncomfortable amount of reasons for South African women to join forces and march once more. 

Every six hours a woman gets killed by her intimate partner. Women are raped, abused and humiliated on a daily basis. Many households are headed by women - women who continue to earn significantly less than their male counterparts. So yes, the struggle to emancipate women is real and far from over.

It is true that we have come a long way. In ancient times a woman was regarded as the property of her father or husband and was unable to enter into a contract without a man’s consent. Isn’t it heartbreaking to note that in some households, not much has changed? More than 50% of women surveyed by the World Health Organization in 2013 have been abused verbally or emotionally. Most women unfortunately suffer in silence, fearing retaliation or self-blame. 

If you or someone you know is a victim of stalking, physical, economical, verbal and/ or emotional abuse, we urge you to please follow or pass on these simple steps to obtain a protection order: click here. 

The government is trying to relieve woman and child abuse by implementing Family Violence, Child Protection and Sexual Offenses units countrywide. On the 22nd of July 2015 the Minister of Justice and Correctional Services also officially opened the Schweizer Reneke Sexual Offences Court in the North West Province– a court with specially trained officials and equipment that will assist to reduce any chance of secondary trauma for victims of sexual violence. These are all strides in the right direction, however, there is a potential force much stronger than Parliament: all women joining forces. 

It is easy to sit back and blame decades of gender discrimination, especially as the damage caused is unacceptable and has bred mindsets that are not compatible with equal opportunities and respect. As a woman I believe it is time for us all to take a hard look in the mirror. Are you living a fulfilled life? Is this who you dreamed of becoming as a little girl? Are you spending more time belittling women than actively building each other up? Is that petty fight with that other struggling woman really worth it? 

Women form more than half of this beautiful country’s population. Imagine what we can accomplish together.

In celebration of Women’s Month, Legal Hero will upload a few Woman Law 101 notes to try ensure that no legal obstacle is stopping you from reaching your full potential. Please mail social@legalhero.co.za should you have any specific topics or questions you would like one of our legal wonder women to address.

“Here's to strong women. May we know them, may we be them, may we raise them.” - Unknown.