Respond to a letter of demand in South Africa in writing, before the deadline in the letter, and keep proof that you sent it. Whether you pay, offer a payment plan, or dispute the claim, a written reply protects your position.
Steps to take
- Read the letter carefully and note the deadline
- Check whether you actually owe the amount, and whether it is correct
- Check the dates: most ordinary debts prescribe after three years
- Gather the contract, invoices, proof of payment, and correspondence
- Reply in writing: accept, propose terms, or explain why you dispute it
Do not admit a debt you dispute, and do not sign an acknowledgment of debt without reading it closely. An acknowledgment can restart the prescription period and may include terms for interest and legal costs.
If the amount is large, or the letter threatens a summons, speak to an attorney before you reply. A short consultation can stop you from making a statement that is later used against you.
Need help with this? See Litigation & Dispute Resolution.
This answer is general information about South African law and does not create an attorney and client relationship. Please speak to the firm about your specific matter.