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Two laws in South Africa that many of us dont know exist, are there to help those in debt:

1) Prescribed Debt: In terms of the Prescription Act, if a creditor fails to take judgment within three years from the date on which a person defaults on his or her debt, the creditor's claim against the debtor falls away, or prescribes.
In other words, if you owe someone money for longer than 3 years, and they have not got a judgement against you yet, you dont have to pay them - ever!

2) In Duplum: You can never be charged more than double what you owe.
So if you owe someone R100, and dont pay, they can never ask for more than R200 as a once off payment from you. If however you decide to pay them off, as soon as your balance is below R200, they can once again charge interest.

Hopefully bringing this to your attention will help you some day!