Our Process

No 1

Informal Collection

We begin with phone calls and informal emails reminding the debtor of their outstanding balance and requesting payment.
It’s surprising how many cases are resolved once a debtor hears from a professional agency and understands the possibility of legal action.

No 2

Letter of Demand

A formal demand letter records the indebtedness and gives a specific deadline for payment before legal steps are initiated.

No 3

Summons (Legal Action)

If the debtor fails to respond, a Summons is issued — beginning the court process to obtain judgment:

If defended: Litigation proceeds through the court’s normal processes, including pleadings and trial (±1 year to judgment; R30 000–R50 000 estimated).
If undefended: We apply for default judgment, obtaining a court order for repayment.

No 4

Execution Process

Once judgment is granted, we can enforce repayment through:

Warrant of Execution – sheriff attaches the debtor’s movable assets.
Sale of Assets – sheriff auctions attached goods to recover funds.
Section 65 Financial Enquiry – debtor (or company directors) is summoned to court to disclose financials and agree to a repayment plan.

Important Considerations

Litigation costs and timelines can be significant; we always assess whether legal action is financially worthwhile.

Even if you don’t pursue litigation, sending a Letter of Demand is often enough to prompt payment or negotiation.

Legal costs recovered from the debtor are usually limited to court-approved tariff rates unless otherwise stated in a contract.

Under the Prescription Act, ordinary debts expire after three years, so it’s essential to act quickly and issue Summons before the debt prescribes.

A judgment remains valid for 30 years, meaning it can be enforced when the debtor’s financial position improves.

Request A Quote

At Idonna, we combine experience, compliance, and commitment to deliver real results. Whether you prefer a diplomatic or decisive approach, we’ll create a custom recovery plan that fits your budget and maximizes your chances of success.

At Idonna Debt Collection Agency, we provide comprehensive debt recovery solutions for both individuals and businesses across South Africa.

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Contact Us

Address : 1 Bentel Avenue, East , Rand Mall ,Jansen Park, Johannesburg, 1501

Email : admin@idonna.co.za
Phone : 011 568 9339

Company Email Address :

admin@idonna.co.za

Customer Support :

011 568 9339

Our Company Address:

1 Bentel Avenue, East Rand Mall, Jansen Park, Johannesburg , 1501