Getting a Message from Debt Collectors After a Period of Silence

In today’s Heart to Heart, Sibongile Mofokeng is joined by Advocate Rufus Malatji to discuss the topic "Getting a Message from Debt Collectors After a Period of Silence." They explore the rights and responsibilities of both debt collectors and debtors in South Africa. Advocate Malatji explains that debt collectors have the right to contact debtors for payment but must do so respectfully and within legal boundaries, avoiding harassment, threats, or misrepresentation. Communication from debt collectors must be factual, professional, and within reasonable hours, respecting the debtor’s dignity and privacy. Debtors, on the other hand, have rights such as the right to confidentiality, the right to dispute debts, and the right to be treated with fairness. The discussion guides what to expect and how to handle contact from debt collectors after a period of silence, empowering individuals to know their rights and seek legal advice if necessary.