Affordable Distribution

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More and more consumers find themselves in a situation where they cannot afford the basic necessities; like rent, food and transport fees due to high debt repayment obligations. In some cases, these debt repayments make out 78.2% of the total monthly household income.

The Affordable Distribution Assessment Service offers

The Credit Legal Pro Affordable Distribution Service was specifically designed to assist consumers to start their journey to financial freedom as they embark on a route where all their creditors are still being paid, but in line to what the consumer can afford.

The consumer needs to voluntarily enter the multi-step process to have one lump-sum deducted from their bank account and then distributed by a third party to all their creditors.

Consumers must be qualified to enter the Affordable Distribution Service Agreement. If they do not qualify for the specific service; then Credit Legal Pro will still assist them through the standard Restructuring Negotiation Service offer.

The qualifying criteria include
  • Vehicle or Property

    The consumer should not have a vehicle or property that can be repossessed that needs protection under a court order.

  • Voluntary Debt Counselling

    The consumer could be under Voluntary Debt Counselling, providing that they are not still paying the fees for the Debt Counsellor.

  • Debit Order Deductions

    The consumer must have a bank account that accepts Debit Order deductions.

The first phase to the Voluntary Distribution Service offer is through the Voluntary Distribution Assessment (At the bottom of the Product List in the Take-on process).
Terms you will encounter during the take-on process
  • Gross Salary

    This is the amount that the consumer earns before deduction by the employer.

  • Nett Salary

    This is the amount that the consumer earns after the deductions by the employer. (“Take-home pay”)

  • Monthly expenses (excluding creditors)

    This amount refers to what the consumer needs for his/her living costs.

  • Surplus

    Here you need to enter an amount that the consumers indicate they have left after their living expenses have been deducted. Surplus = Nett Salary minus Monthly Living Expenses (excludes payments towards debt / creditors)

  • Monthly Installments toward creditors

    This amount indicates what the consumer is supposed to pay to all the creditors.

  • How much can you afford to pay monthly towards your Creditors?

    This amount indicates what the consumer is able to pay towards outstanding debt with his/her creditors.

  • Other expenses not mentioned

    This amount indicates any other expenses, such as Maintenance payments etc. that the consumer is supposed to pay.

  • Do you have any savings?

    Does the consumer have savings that can be used to settle accounts immediately? This amount can include any future income; for instance a bonus, retrenchment package pay-out or policy that is paying out.

Benefits to the consumer
  • Consumers with a small surplus can now afford repayments on their debt and get financial freedom.
  • Consumers can build up a reserve fund through the Affordable Distribution process to settle accounts sooner.
  • Credit Legal Pro applies the distribution of funds based on a monthly installment to the creditor, in proportion to what the consumer can afford.
  • Statements will be provided to the consumer quarterly (every 3 months) to indicate how much has been paid, which creditors were paid and what their current outstanding balances are.
  • The Affordable Distribution Service is not a court order and therefore the consumer still has credit rights.
  • Only one debit order is deducted from their bank account by Credit Legal Pro; therefore they save on banking charges.
  • The money is then distributed to the consumers’ creditors by Credit Legal Pro via a third party.
  • Credit Legal Pro handles all requests, issues, queries and harassment from creditors and collection companies.
  • The negotiations with the consumers’ creditors for lower instalments and longer terms, are handled by Credit Legal Pro.
  • The consumer gets a detailed financial assessment with a payment plan and all legal agreements will be instituted between Credit Legal Pro and the creditors, on behalf of the consumer.


This payment is determined by the Legal and Administration Department in each Credit Legal Pro Franchise and quoted in accordance to the specific consumers’ need.

What is Affordable Distribution

It is a process where the consumers VOLUNTARILY select Credit Legal Pro to DISTRIBUTE their monthly installments (debt repayments) to their creditors. Credit Legal Pro acts as a PAYMENT DISTRIBUTION AGENT (PDA).

What would the Legal and Administration team do after the Assessment?

Our Credit Legal Pro Debt Attorney will assess the consumers’ credit situation and firstly qualify the consumer for the AFFORDABLE DISTRIBUTION SERVICE. Once the consumer is qualified; a payment plan will be drafted and negotiations will start for a reduced payment amount and prolonged terms on behalf of the consumer.

The Administration team will ensure that the agreed amounts are distributed to all the consumers’ creditors on a monthly basis on the newly agreed payment plan.

Will the consumer be listed at the Credit Bureau if they select Affordable Distribution?

NO, the consumer will not be listed at the Credit Bureau as it is an informal and voluntary agreement. The Creditors may still list the consumer as a slow paying client; however this is a more positive status at the Credit Bureau that “Default”, “Handed Over”, “Adverse” or even “Judgment”.