Con Court Judgment on Garnishees a huge step ahead

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The management of the emolument attachment order known as a garnishee order has been changed through a judgement from the Constitutional Court. Essentially the decision of whether a salary can be attached by a garnishee order can no longer be made by the clerk of the court. It has to be made by a magistrate.

The test

The magistrate has two tests to look at:
Whether it would be just and equitable to grant a garnishee order
What the debtor will be able to afford.

Debtors still have to pay

The judgement does not in any way mean that debtors no longer have to pay. What it aims for is the fair and equitable attachment of one’s salary to make sure that they pay their debt and can continue affording their lifestyle into the future.

What is unsecured lending?

Unsecured lending differs from secured lending in that there are no assets attached to the loan. Banks own your home and your car until you pay the debt in full. If you default they have the asset which they can sell off to recover the debt. As an unsecured loan has no security the risk is that much higher for the lender so to compensate a much higher rate of interest is charged. These rates can be as high as 38% effectively per annum.

So, there is another layer added to the control of lending in SA. Magistrates will be involved in deciding on the fairness of attaching your salary to secure the unsecured loan. Affordability will be central to the decision.

Loans are not bad

Loans are not all bad if you can comfortably afford them. If you borrow to get out of debt then you are in trouble. Short-term loans can be useful for unforeseen expenses provided you can repay them quickly. Of the current 20 million credit-active South Africans half are three months or more in arrears on some form of debt.

The big problem is that they are excluded from borrowing in the future which has a huge effect on the economy.

Be careful

We should tread wearily when considering a loan. The cost of debt diminishes our ability to save. Saving for the future is the only way to improve our financial independence.

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  2446. An impressive share! I’ve just forwarded this onto a friend who had been doing a little research on this. And he in fact ordered me breakfast simply because I stumbled upon it for him… lol. So allow me to reword this…. Thanks for the meal!! But yeah, thanks for spending time to talk about this issue here on your web page.

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  2491. I would like to thank you for the efforts you’ve put in penning this website. I really hope to check out the same high-grade content from you in the future as well. In truth, your creative writing abilities has encouraged me to get my own, personal site now 😉

  2495. Hello there! I could have sworn Iíve visited your blog before but after browsing through many of the articles I realized itís new to me. Anyhow, Iím certainly delighted I found it and Iíll be bookmarking it and checking back regularly!

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  2507. You’re so interesting! I do not suppose I’ve read anything like this before. So great to discover somebody with some unique thoughts on this topic. Really.. thanks for starting this up. This web site is one thing that is needed on the internet, someone with a little originality!

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