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ChecklistBanking and FinanceMedium
Credit And Finance Checklist
Credit And Finance Checklist for preparing documents, facts, dates, and questions connected to banking and finance.
Time to prepare2-5 hours
Before you start
0/4 completedNeed help with this checklist?
Get support from a lawyer who works with banking and finance matters.
Before the appointment
0/4 completedOn consultation day
0/3 completedafterwards
0/3 completedWhen It Applies
You are dealing with credit agreement arrears, disputed debt, credit bureau issues, debt review, reckless lending concerns, or finance-related complaints.
You need a document pack before speaking to a credit lawyer, debt counsellor, ombud, regulator, or litigation lawyer.
Not For
- Financial advice, debt-counselling recommendations, insolvency advice, or prescription calculations without specialist help.
- Ignoring summons, judgments, garnishee orders, or court deadlines.
Documents
- Credit agreements
- Statements
- Section 129 notices
- Demand letters
- Credit bureau reports
- Bank statements
- Payment proof
- Income proof
- Expense budget
- Court papers
- Settlement offers
Timeline
- Immediately: identify court, collection, or repossession risk.
- Before advice: collect agreements, notices, statements, and payment proof.
- After advice: track settlement, complaint, or court steps.
- Ongoing: monitor balances and bureau updates.
Tips
- Do not ignore a summons while negotiating.
- Keep credit bureau disputes separate from court deadlines.
- Ask for balances and settlement terms in writing.
- Check whether debt review, complaint, litigation, or insolvency advice is the right route.
Warning Signs
- You received summons or judgment documents.
- A vehicle, salary, or bank account may be attached.
- The debt may be prescribed or identity theft is involved.
- You are asked to pay into an unverified account.
Official sources
- National Credit RegulatorCredit regulation, debt counselling, and consumer-credit route context.
- National Credit Act 34 of 2005Credit agreement, notice, and consumer-credit context.
- Department of Justice Magistrates’ Courts formsCourt escalation and summons context.
This checklist is for general information only and does not constitute legal advice.
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