We provide an individual, hands-on and cost effective solution to your legal problems and specialise in the following practice areas.
Our combination of understanding the rules of court as well as having expertise in strategy, negotiation and psychology help our clients advance their position, and surprise their opponents.
Where litigation cannot be avoided, we pursue litigation across all areas of the law tenaciously and efficiently for resolution of the dispute, and where required, involve specialists from other service areas to assist with litigation. We are geared towards providing extensive general and specialist litigation services to clients. Such services include:
Going through a divorce is a difficult and emotionally draining journey. If you’re here, you have already had to make some tough decisions.
We are able to assist parties in both opposed and unopposed divorce proceedings. Although we believe that a genuine effort should be made to settle a divorce matter, especially where children are involved, we will not hesitate to attend to the service and filing of the necessary documents to protect our client’s interests.
You’ll be wondering where to start, and how the process works. We’ll explain the full process in your first consultation. We’ll advise you of your options, how long the process will take, and the outcome you can expect.
The cost and duration of a divorce depends on you. An uncontested divorce can cost as little as R5,000.00, but contested proceedings are more complex and time-consuming, and costs depend on a number of factors.
Our duty is to help you navigate the separation process successfully with a minimum of cost and frustration. Where mediation and an uncontested separation is possible, we will encourage you to follow this course. If, however, settlement is not an option, we can help you fight for your rights and for the rights of your children
Let us help you through this difficult process with ease.
Being a well-known specialist family law firm in Gauteng, we handle South African divorces, whether simple unopposed ones or high value, complex and multifaceted divorces.
Our hourly rates are comparably lower than those in most other Gauteng based firms, making it potentially a more economic option over the long term if you want your case handled throughout by an attorney with genuine practical family law experience.
Appointments can usually be arranged quickly by telephone or by completing our online request form on this page. Initial telephone consultations can be arranged where it is not possible or convenient to come to our office for a meeting, for example if you live abroad.
We understand that divorce and separation are sensitive issues We try to handle them in a sympathetic, civilised and positive manner and by advising clearly while at the same time acting firmly and decisively to
resolve them, if possible by agreement but, if that is not possible, by obtaining the appropriate remedy through the courts. You may expect a tailormade solution for your specific matter.
“You can’t start the next chapter of your life if you keep re-reading the last one”
We care about family life and give a range of services to protect, maintain and ensure a healthy family life.
We assist in harassment, family violence and protection orders. During maintenance of a child in a divorce, we can assist both the maintainer and the person paying maintenance in negotiating these terms.
We handle divorces and separation and also help in custody cases. We offer 24/7 guardian assistance and can process these cases at a judge within a limited timeframe.
We also provide marital and prenuptial agreements.
The ultimate guide to debt counselling
If you are over-indebted and falling behind with your debt repayments, debt counseling can protect your assets by arranging a structured, affordable repayment plan for your outstanding debt.
A debt solution company consolidates all your debt into one monthly payment and reduces your interest rates, based on your circumstances. This debt protection forms part of the National Credit Act. Credit
providers cannot take legal action against you if you go under debt counseling. This means that aside from the protection of your assets, you will also end up paying less for your debt on a monthly basis.
Let us — Ludick Attorneys — help you through our life-changing service called debt counseling. There are times when, try as you might, you just cannot seem to make ends meet. You find yourself short-paying on your monthly installments, not having enough money for necessities You become fearful of your creditors, and it is emotionally draining. Many people find themselves in that exact position right now.
What brought you to this point doesn’t matter. What is important is that this debt relief option can help you get out of your financial predicament, and let you see light at the end of the tunnel.
What is debt counseling?
How does debt counseling work?
This form of counseling can only be done by registered SA debt counselors.
The debt counseling process in 6 easy steps
What are the advantages of debt counseling?
When we say debt counseling can change your life, we mean it. If you fully commit to this process, you will be able to afford your monthly expenses, to no longer rely on loans, to have peace of mind and even be able to buy a new car or house. It is possible — but you will have to make a few sacrifices to get there. Let’s look at the pros and cons.
Advantages of debt counseling
Where can I find the best debt counseling agencies?
Rest assured, you have already come to the right place. Ludick Attorneys is one of the best companies in South Africa and is registered on the NCR’s list of registrants. If you are ready to change your life, improve your credit record and pay off your debt, contact us today.
What Qualifies you to be put under debt counselling
You qualify for debt counseling if you are over-indebted. This means you are struggling with your debt repayments and have fallen behind, or are at risk of falling behind. You also need to be earning a monthly income – you will not qualify if you are unemployed. You qualify for debt counseling even if you are blacklisted, or if you have a bad credit record.
Why should I consider debt counseling
You should consider debt counseling if you are unable to pay off your debt repayments, whether it be now or in the immediate future. By going under debt counseling you will ensure the protection of your assets, and avoid legal action by your credit providers. Debt counseling helps to reduce your repayments and your interest rates, making your financial situation more manageable.
What costs will I incur by applying for debt counseling?
The exact costs will depend on the type of debt you have and your monthly repayment amount, however you will incur debt counseling fees and legal fees. Both the debt counseling fees & legal fees are incorporated into your debt restructuring plan which means that you will not need to pay any additional/upfront fees in order for your application to be processed. The debt counseling fees that we charge are regulated by the National Credit Regulator and should be the same regardless of which registered debt counseling company you use. Legal fees are also determined based on the type of debt that you have and your monthly repayment amount.
Do I need to go to court?
No, you will never have to attend any court proceedings, as Zero Debt’s nominated attorneys will obtain the court order for you. The legal fees relating to the court order is included in your reduced monthly debt repayment amount.
Is debt counseling better than a consolidation loan?
You will not qualify for a consolidation loan if you are over-indebted. Not with us and not with anyone. The only way to prevent you from losing your assets is to go under debt counseling. Our debt counseling process fully protects your assets, as per the National Credit Act. We help you to manage your bad-debt situation by consolidating your debt into one affordable monthly repayment, reducing your monthly debt repayments & interest and clearing your credit record after you have fulfilled your restructured debt obligations.
Effective, no-nonsense approach
Debt collection has become a highly specialised field with requirements in respect of credit and consumer laws further necessitating expert advice to clients regarding the structuring of debtor documentation as well as impacting on the process of collecting arrear debt. We are geared towards providing a comprehensive debt collection service to clients including soft collections and collections of a litigious nature.
The debt recovery process requires more skill than simply calling a debtor repeatedly and hoping the harassment will motivate them to pay. These days, many debtors do not feel the obligation to pay their debts, and they know that there are few real consequences for avoiding payment until a summons is served on them.
Some imagine debt collection as simply telephone calls and sending letters of demand to a debtor, but these initial correspondences serve a more important purpose: they “place the debtor in mora”, an essential first step to commencing litigation proceedings.
Debtors know they don’t have to respond until they receive a summons.
Sometimes, a stern letter from an attorney is enough to persuade a debtor to pay, but many debtors know that there are few real consequences for avoiding payment until a summons is served on them, and do not feel the obligation to pay their debts until they are forced to do so by a court order.
That’s why our Recoveries Department takes a no-nonsense approach to debt recoveries. We make it clear to the debtor that summons will follow immediately after the legislated Letter of Demand if payment is not received.
A proper contract aids debt recovery.
Did you ensure your debtor signed a contract making them liable for collection costs and attorneys’ fees?
These clauses and more are important tools in finding the debtor and securing a favourable judgment. A properly-drafted contract makes debt collection easier and cheaper!
The strategy of a debt recovery starts with ensuring that there is sufficient evidence to ensure the case has a good chance of success. Bear in mind that, just because someone owes you money, it doesn’t mean your case will succeed in court.
Furthermore, debtors know there are a number of technical defences they can raise to avoid paying a debt, and your case must be capable of success not only on the merits of the case, but must also be able to answer these technical grounds.
An experienced attorney will assess your case and save you money.
The benefit of having an experienced litigation firm handling your debt collection is that we will warn you from the outset of your prospects for success, thereby saving you time and money. Our experience in contracts, litigation and debt collection allow us to analyse the contractual evidence, provide comprehensive advice on the strength of your case, and guide you through the litigation process.
So, while a letter of demand is a necessary first step, the goal is usually to institute summons as soon as possible.
Let us help you keep your credit bereau records clean
We assist clients in improving their credit scoring, removing debt review, as well as negative listings (such as judgments).
We can also assist you if your credit report reflects outdated or incorrect information by disputing it with the relevant authorities and restoring your good name.
If you are having difficulties obtaining a loan or credit, it might mean that you have low credit score dew to your past financial history/behavior or you are blacklisted on credit bureau.
Blacklisting is normally classified under the following:
We are specialists in:
Services we offer
Credit Repair, National Credit Act, Consumer Protection Act, administration, consumer rights, consumer law, consumer complaints
The success of a business can easily be meassured by what their customers have to say.
Please feel free to contact us through the following means.