South Africa’s 25 basis point interest rate cut offers relief for homeowners and consumers, but fixed-rate loans remain unaffected. Learn how bond and vehicle repayments change, and why buying property during low-rate cycles can be risky. South Africa’s recent 25 basis point interest rate cut has been welcomed by homeowners and consumers. Although relief has been provided, caution must still be exercised. Lower borrowing costs… Read More »Debt Relief in Motion | Understanding the 25 Basis Point Cut

A Debt Review & Debt Restructuring Perspective (2025 Year-End Analysis) A family of four in South Africa needs a minimum of around R38,000 per month to survive, but the average household income is far lower: About R20,887 in Gauteng and R11,495 in the Eastern Cape. This gap explains why so many families rely on debt review and debt restructuring to manage rising living costs, high… Read More »Household Income Too Little? | Let’s Explore How to Survive Monthly…

Financial Rehabilitation After Sequestration in South Africa: An Information Guide Financial rehabilitation is a key legal process that follows sequestration in South Africa. It marks the point at which a person who was declared insolvent regains full legal and financial capacity. This guide explains what financial rehabilitation means, when it can happen, how the process works, and what steps individuals can take to rebuild their… Read More »Financial Rehabilitation | A Complete Guide | What Happens After Sequestration?

Learn about the hidden dangers of Black Friday purchases, especially when you’re already struggling financially. Can your Black November purchase tip the scale and leave you BROKE? The answer is an easy one. A special is only a bargain if you can afford it. Black Friday can deepen financial distress for over-indebted South Africans. Especially when emotional triggers and retail tactics override rational decision-making. Here’s… Read More »The Hidden Dangers of Black Friday | Can You Afford Your ‘Bargain’?

An educational guide by Insolvency Care 📘 Introduction In 2025, South Africa is facing a sharp rise in personal insolvency, largely driven by widespread retrenchments across key industries. This phenomenon — often referred to as the “jobs bloodbath” — has left thousands of households unable to meet their financial obligations. This guide explains how retrenchment leads to insolvency, what sequestration entails, and how the legal… Read More »Job Bloodbath vs Personal Insolvency

In this article, the aim is to explain voluntary surrender of estate, its meaning, and what it entails, as well as the benefits it holds for overindebted South Africans. Losing your job can be devastating, especially when debt starts piling up and creditors won’t stop calling. If you’re unemployed and overwhelmed by debt, one of the most powerful legal solutions available in South Africa is… Read More »VOLUNTARY SURRENDER OF ESTATE EXPLAINED | HOW TO GUIDE…

South Africa is currently facing a wave of corporate distress, with several major companies retrenching employees or entering liquidation. These developments have far-reaching consequences—not only for the economy but also for thousands of individuals and families who now face financial uncertainty. At Insolvency Care, we understand the emotional and financial toll of sudden job loss. That’s why we’re here to help you navigate the storm… Read More »Retrenchments and Liquidations in South Africa | What You Need to Know