debt

[gerdtdup]

I was retrenched about 5 years ago and send alll the relevant documents to all my creditors. Nothing happened for almost 5years and now one of them is threatining me with a summons/judgment.
What does that mean? Can they come take all my furniture and stuff? My husband doesnt know about this debt.What can I do?

[Citizen X]

Hi there,

I'm pretty sure this debt(s) are eligible for extintive prescription i.e. extinguishing a debt or cancelling a debt by the passage of time! I appreciate that you feel like you on trial for murder and further that it can be traumatic to be treatened with summons etc. The law is now clear, if it's a personal loan, credit card, vehicle finance, retail apparel account etc, the creditor must first issue you with a final demand letter before sueing out summons..anyway, you need not even pay anyone to claim extinctive prescription for you, you can do it yourself!!!! If you follow this link, you will will find practcal explanations and attachements that you can use i.e. modify...
http://www.theforumsa.co.za/blogs/entry.php/35-Debt-How-to-claim-prescription-in-practice-and-how-to-enter-a-special-plea

[Phil Cooper]

Agreed.

Unless it is a Municipal rates or tax claim, or the result of a Court order, there is no way they can do ANYTHING!

Admit nothing. Pay nothing. Just claim prescription.