PSTS strives to become the arrear levy debt recovery specialist and to provide professional legal advisory services to its clients in the community scheme industry in South Africa.
Our approach to arrear levy debt collection is lawful and fair:
Contact us to schedule a consultation with us and discuss your debt recovery needs. Our experienced team will guide you through the process, explain our services and answer any questions you may have.
We will provide you with our terms and conditions of business and an engagement letter.
The process kicks off with written and telephonic communication with the debtor, highlighting details of the obligation, and encouraging payment thereof.
PSTS staff assigned to collect specific debt will send carefully constructed initial communications to the debtor under specified campaigns.
We consider it beneficial to make direct contact with your debtor to emphasise the urgency of the situation and discuss payment arrangements within an initial period. We do so by sending debtors communication on various platforms and discussing the matter with them telephonically. This personal touch tends to produce positive results, which would not otherwise be obtained in the early stages of collection.
If the debtor fails to respond positively to initial written and telephonic communications, then final written communication is dispatched to the debtor and final telephonic communications are entered into with the debtor.
If the debtor responds positively and enters into a regular Promise-to-Pay (PTP) or debit order payment arrangement, PSTS will monitor payments and ensure timeous updates on your account.
PSTS will continuously engage with the debtor telephonically throughout the recovery process. Our engagement team are fully qualified and trained to ethically and professionally support the debtor in honouring their payment commitments.
Should the debtor default on their PTP or debit order arrangement, PSTS will send written communication, and make telephonic calls, to the debtor to remind them of their commitment. The communications will inform the debtor of the time period left to catch up on their payments or negotiate a new payment arrangement, failing which they will be handed over to attorneys to commence legal action. Should the debtor break the PTP on more than one occasion with no justifiable reason, they will be handed over to attorneys to commence legal action.
The matter is handed over to an appointed attorney on the panel if no payment is made within the given time period. For undefended actions, the matter proceeds to court until a judgement is obtained and the debt has been fully recovered on execution of that judgement debt (including any legal fees accrued on the attorney and client scale).
Throughout this process, PSTS maintains ongoing communication with both the debtor and legal representatives – taking the administrative stress and responsibility out of your hands.
Our collaborative approach means we work with both our clients and debtors to recover arrear levies ethically to ensure a win-win-win solution for all.