Outsource Your Challenges

ADCAP oversees the processing of your client’s application for Debt Counselling via the ADCAP System. This gives you and your client 24/7 access to the process through our ADCAP Debt Counsellor Portal and ADCAP Consumer Portal.

With years of experience in dealing with the administrative aspects of Debt Counselling we also proud ourselves in a sound partnership with one of South Africa’s leading Debt Counselling litigation firms for you and your client’s peace of mind.

Our Administrative & Legal Support Services:

  • Our well-established expertise and custom-developed software ensure that each step of the Debt Counselling process is managed efficiently by sending out Forms 17.1, 17.2, 17.4, reminders and proposals to creditors as required by the National Credit Act (NCA). All of this is available 24/7 on our ADCAP Debt Counsellor Portal and ADCAP Consumer Portal.
  • We have a favourable track-record with creditors who know that our work is always thorough, on-time and in line with the intentions of the NCA – which means less opposition and legal action from creditors.
  • We facilitate the entire negotiation process of the debt re-arrangement plan between your client and their creditors – including proposals and counterproposals – until a suitable solution for all has been found and the court order is granted.
  • We appoint a Payment Distribution Agency (PDA) – as required by the NCA – to ensure safe, secure and timeous distribution of all monies to your client’s creditors as well as the Debt Counselling fee.
  • To ensure service excellence we assign a personal ADCAP Relationship Manager to your client for that personal touch. Furthermore, we keep your client informed with automated communication via short message service (SMS), emails and our ADCAP Consumer Portal during every step of the Debt Counselling process.
  • We send the payment plan and statements to you and your client in order to keep both parties updated.
  • We attend to all creditor terminations and have a unique and effective system in place to address terminations while keeping the client on track with their Debt Counselling process.
  • Once your client has received their court order, we provide the full aftercare service as required by the NCA. Including legal support and annual reviews.
  • We take care of National Credit Regulator (NCR) monitoring visits and will deal with all NCR enquiries and complaints by clients. In addition, we also submit your quarterly statistical reports (Form 42 and 43) to the NCR.
  • Our in-house legal team monitors and manages the intricate and complex legal structures by navigating statutory processes and liaising with our specialist attorneys. Furthermore, changes brought by court verdicts are quickly incorporated into our software system, ensuring that no application is adversely affected by changes in the consumer law.

You can serve clients nationwide thanks to ADCAP’s national legal network.