Debt Collection Terms

Administration order

A Magistrates' Court debt-administration order that restructures qualifying debts through a controlled payment process.

Attachment of immovable property

A debt-enforcement step where a sheriff attaches land or buildings under a court process, usually after a judgment or enforceable order.

Attachment of movable property

A debt-enforcement step where a sheriff attaches movable assets such as vehicles, equipment, or other goods under a court process.

Debt rearrangement order

A court or tribunal order that rearranges qualifying credit-agreement repayments in a debt-review process.

Debt review

A National Credit Act process for over-indebted consumers to have qualifying credit agreements assessed and restructured through a debt counsellor and court-related process.

Emoluments attachment order

A court order that allows deductions from a judgment debtor's salary or wages to satisfy a debt, often called an EAO.

Execution

The court-enforcement process used to give effect to a judgment or order, often through a sheriff, warrant, writ, attachment, or sale process.

Financial enquiry

A court-related enquiry into a judgment debtor's financial position, usually to understand income, expenses, assets, debts, and possible payment arrangements.

Garnishee order

A common name for a court-backed salary or debt deduction process, often used loosely for an emoluments attachment order.

Judgment creditor

A person or entity in whose favour a court has granted judgment and who may be entitled to enforce that judgment.

Judgment debtor

A person or entity against whom a court has granted judgment requiring payment, performance, or another enforceable obligation.

Letter of Demand

A written demand asking someone to pay, perform, or fix a breach before further legal steps are considered.

Reinstatement of credit agreement

The restoration of a defaulted credit agreement after arrears and legally permitted enforcement costs are dealt with before the applicable cut-off point.

Repossession of goods

The recovery of financed or secured movable goods, such as a vehicle, when a debtor is in default or enforcement steps are being taken.

Sale in execution

A sheriff-led sale of attached property to satisfy a court judgment or enforceable debt process.

Section 129 Notice

A notice under the National Credit Act that may be required before a credit provider starts certain debt-enforcement steps.

Warrant Of Execution

A court document authorising the sheriff to enforce a judgment, often by attaching property.

Writ of execution

A High Court enforcement document that authorises the sheriff to execute a judgment, often by attaching property or taking another enforcement step.

Core definitions

Core terms in this track

Letter of Demand

A written demand asking someone to pay, perform, or fix a breach before further legal steps are considered.

Warrant Of Execution

A court document authorising the sheriff to enforce a judgment, often by attaching property.

Section 129 Notice

A notice under the National Credit Act that may be required before a credit provider starts certain debt-enforcement steps.

Attachment of immovable property

A debt-enforcement step where a sheriff attaches land or buildings under a court process, usually after a judgment or enforceable order.

Attachment of movable property

A debt-enforcement step where a sheriff attaches movable assets such as vehicles, equipment, or other goods under a court process.

Debt review

A National Credit Act process for over-indebted consumers to have qualifying credit agreements assessed and restructured through a debt counsellor and court-related process.

Emoluments attachment order

A court order that allows deductions from a judgment debtor's salary or wages to satisfy a debt, often called an EAO.

Execution

The court-enforcement process used to give effect to a judgment or order, often through a sheriff, warrant, writ, attachment, or sale process.

Financial enquiry

A court-related enquiry into a judgment debtor's financial position, usually to understand income, expenses, assets, debts, and possible payment arrangements.

Garnishee order

A common name for a court-backed salary or debt deduction process, often used loosely for an emoluments attachment order.

Judgment debtor

A person or entity against whom a court has granted judgment requiring payment, performance, or another enforceable obligation.

Repossession of goods

The recovery of financed or secured movable goods, such as a vehicle, when a debtor is in default or enforcement steps are being taken.

Sale in execution

A sheriff-led sale of attached property to satisfy a court judgment or enforceable debt process.

Writ of execution

A High Court enforcement document that authorises the sheriff to execute a judgment, often by attaching property or taking another enforcement step.

Administration order

A Magistrates' Court debt-administration order that restructures qualifying debts through a controlled payment process.

Debt rearrangement order

A court or tribunal order that rearranges qualifying credit-agreement repayments in a debt-review process.

Judgment creditor

A person or entity in whose favour a court has granted judgment and who may be entitled to enforce that judgment.

Reinstatement of credit agreement

The restoration of a defaulted credit agreement after arrears and legally permitted enforcement costs are dealt with before the applicable cut-off point.

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Letter of Demand

A written demand asking someone to pay, perform, or fix a breach before further legal steps are considered.

Warrant Of Execution

A court document authorising the sheriff to enforce a judgment, often by attaching property.

Section 129 Notice

A notice under the National Credit Act that may be required before a credit provider starts certain debt-enforcement steps.

Attachment of immovable property

A debt-enforcement step where a sheriff attaches land or buildings under a court process, usually after a judgment or enforceable order.

Attachment of movable property

A debt-enforcement step where a sheriff attaches movable assets such as vehicles, equipment, or other goods under a court process.

Debt review

A National Credit Act process for over-indebted consumers to have qualifying credit agreements assessed and restructured through a debt counsellor and court-related process.

Emoluments attachment order

A court order that allows deductions from a judgment debtor's salary or wages to satisfy a debt, often called an EAO.

Execution

The court-enforcement process used to give effect to a judgment or order, often through a sheriff, warrant, writ, attachment, or sale process.

Financial enquiry

A court-related enquiry into a judgment debtor's financial position, usually to understand income, expenses, assets, debts, and possible payment arrangements.

Garnishee order

A common name for a court-backed salary or debt deduction process, often used loosely for an emoluments attachment order.

Judgment debtor

A person or entity against whom a court has granted judgment requiring payment, performance, or another enforceable obligation.

Repossession of goods

The recovery of financed or secured movable goods, such as a vehicle, when a debtor is in default or enforcement steps are being taken.

Sale in execution

A sheriff-led sale of attached property to satisfy a court judgment or enforceable debt process.

Writ of execution

A High Court enforcement document that authorises the sheriff to execute a judgment, often by attaching property or taking another enforcement step.

Administration order

A Magistrates' Court debt-administration order that restructures qualifying debts through a controlled payment process.

Debt rearrangement order

A court or tribunal order that rearranges qualifying credit-agreement repayments in a debt-review process.

Judgment creditor

A person or entity in whose favour a court has granted judgment and who may be entitled to enforce that judgment.

Debt Collection Court Process Resource

Reinstatement of credit agreement

The restoration of a defaulted credit agreement after arrears and legally permitted enforcement costs are dealt with before the applicable cut-off point.

Related resources

Resources connected to this track

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Checklist

Letter of Demand Template

Downloadable PDF checklist for preparing a formal payment demand before legal action.

Court Process Timeline Map

Process resource for summons, notices, pleadings, hearings, judgment, and enforcement milestones.

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Debt Letter of Demand Response Checklist

Prepare after receiving a debt letter of demand by organising the demand, creditor details, contract, statements, payment proof, prescription questions, credit-law issues, affordability, and response-deadline questions.

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Prepare a debt collection document pack by organising identity, authority, core matter records, official records, correspondence, financial records, deadline notes, and fee questions.