Voluntary

Distribution

Helping clients manage their debt outside debt.

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READY TO FIND OUT IF YOU QUALIFY FOR THIS SERVICE?

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What is Voluntary Distribution?

A Flexible Alternative to managing your debt

At A De Bruyn Attorneys, we understand that every financial situation is unique and cannot always be approached with a one-size-fits-all solution. As civil mediators with extensive experience in assisting financially distressed consumers, we are committed to providing practical, tailored solutions that caters for our clients’ interests and help them regain financial stability.

Voluntary Debt Distribution is a professional debt assistance option for individuals who:

  • Do not qualify for formal legal remedies such as administration, debt review or sequestration
  • Require a more flexible and practical repayment solution
  • Multiple judgement, garnishee orders or other legal action taken
  • Outstanding business debt from creditors and surety agreements

 

This process is not court-driven. Instead, we negotiate directly with your creditors on your behalf to structure a realistic and affordable repayment plan tailored to your specific financial circumstances.

Our goal is to provide a structured, ethical, and supportive process that helps you meet your obligations while working towards long-term financial stability.

Why Choose Voluntary Debt Distribution?

  • Flexible, personalised repayment solutions based on your unique financial circumstances
  • Professional negotiation with credit providers and other creditors
  • Ability to include all outstanding debt such as credit agreements, school fees, rent, medical accounts, and other arrears
  • Opportunity to restructure repayment terms or negotiate settlements on your behalf
  • A practical solution that gives you the opportunity to manage your debt responsibly on terms that work for you

How Our Process Works

We start by understanding your full financial picture:

Income (salary, additional income streams)
Monthly expenses and obligations
All outstanding debts

Outcome: We assess your financial position to determine the most suitable solution, which may include:

Reduced and affordable monthly repayment arrangements
Negotiation of lump-sum settlements where possible
A combination of structured monthly payments and settlement negotiations
Assistance with negotiating repayment plans on accounts where judgments have already been granted
A structured plan to help you manage all your financial obligations in a sustainable way

Our team handles all communication on your behalf:

  • Reduce monthly instalments
  • Restructure repayment terms
  • Negotiate discounted settlements
  • Prioritise high-risk or urgent accounts

 

You don’t deal with creditors — we do it for you.

We create a clear, realistic plan that works for you:

  • Affordable monthly structure
  • Practical debt prioritisation
  • Guidance to avoid future financial strain

We stay with you throughout your journey:

  • No credit bureau flag
  • Continuous guidance and support
  • Adjustments if your financial situation changes

Who Is This Service For?

Voluntary Debt Distribution is ideal for:

  • Individuals who are struggling to keep up with monthly repayments and need professional assistance negotiating affordable payment arrangements with creditors and does not qualify for legal remedies available
  • Clients who have access to funds and want to negotiate reduced settlements on outstanding debt
  • Individuals with accounts that are in arrears, handed over for collection, or where judgments have already been granted
  • Consumers who need assistance with budgeting and structured monthly financial planning
  • Anyone with a long-term goal of settling their debt, becoming debt free, and restoring their financial credibility

How We Determine If This Service Is Right for You

We carefully assess your financial situation using your credit profile and overall financial position. You may qualify for Voluntary Debt Distribution if:

  • You have multiple overdue accounts
  • You owe outstanding school fees, medical bills, or other types of debt, including accounts with judgments
  • You have access to a lump sum that can be used for settlement

 

Important Notice: Be cautious of non-registered mediators or individuals offering similar services without the necessary experience or intention to genuinely assist vulnerable consumers. There is no quick fix for debt problems, and engaging unqualified service providers can lead to further financial loss and wasted fees.

Our Approach: Practical, Professional, Personal

At A De Bruyn Attorneys, our team meets all required expertise and legal qualifications to guide you responsibly and professionally, helping you regain control of your financial position and work toward becoming debt free.

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