Terms & Conditions


Welcome to Counterpoint Debt Collectors. These Terms and Conditions govern your use of our services and website. By engaging with our services, you agree to comply with these terms. Please read them carefully.


  • Company: Refers to Counterpoint Debt Collectors.
  • Client: Refers to individuals or entities that engage the services of the Company.
  • Debtor: Refers to individuals or entities that owe a debt to the Client, which the Company seeks to recover.
  • Services: Refers to all debt collection and related services provided by the Company.

Services Provided

Counterpoint Debt Collectors offers a range of debt recovery services, including but not limited to:

  1. Face-to-Face Tracing
  2. Garnishee Orders
  3. Signing and Swipe of TT3 Debit Orders
  4. AEDO Swipes and Debi-Check Migrations
  5. Comprehensive Tracing Services
  6. Site Visit Inspections
  7. Higher-Profile Face-to-Face Collections
  8. Banking Sector Services (Home Loans & Vehicle Asset Finance)

Client Obligations

  1. Provision of Information: Clients must provide accurate and complete information necessary for the Company to perform its services effectively.
  2. Cooperation: Clients must cooperate with the Company, providing any required documents or information promptly.
  3. Compliance: Clients must comply with all applicable laws and regulations in relation to the debts referred to the Company.

Debtor Obligations

  1. Accuracy of Information: Debtors must provide accurate and truthful information when engaging with the Company.
  2. Repayment: Debtors are obligated to repay their debts as agreed upon in negotiations or legal agreements facilitated by the Company.
  3. Communication: Debtors must maintain open communication with the Company to facilitate debt resolution.

Fees and Payment

  1. Service Fees: Fees for services provided by the Company will be agreed upon in writing with the Client before services commence.
  2. Payment Terms: Invoices are payable within 30 days of issuance unless otherwise agreed upon in writing.
  3. Late Payments: Late payments may incur interest charges as specified in the service agreement.


  1. Client Information: The Company will keep all Client information confidential and will not disclose it to third parties without the Client’s consent, except as required by law.
  2. Debtor Information: Information obtained from debtors will be handled in accordance with the Company’s Privacy Policy.

Limitation of Liability

  1. Service Limitation: The Company will use reasonable efforts to recover debts but does not guarantee the success of its efforts.
  2. Liability Cap: The Company’s liability to the Client for any claims arising out of or in connection with the services will be limited to the amount of fees paid by the Client for those services.
  3. Indirect Damages: The Company will not be liable for any indirect, incidental, or consequential damages arising from the use of its services.

Dispute Resolution

  1. Negotiation: Any disputes arising out of or in connection with these terms will be resolved through good faith negotiations between the parties.
  2. Mediation/Arbitration: If negotiation fails, the parties agree to attempt mediation or arbitration before resorting to litigation.
  3. Governing Law: These terms are governed by the laws of [Jurisdiction], and any disputes will be subject to the exclusive jurisdiction of the courts of [Jurisdiction].


  1. Termination by Client: Clients may terminate the service agreement with 30 days written notice, subject to the settlement of all outstanding fees.

Termination by Company: The Company reserves the right to terminate the service agreement with immediate effect if the Client breaches any terms or engages in illegal activities.


The Company reserves the right to amend these Terms and Conditions at any time. Any changes will be posted on the Company’s website and will take effect immediately upon posting. Clients and debtors are encouraged to review these terms periodically.

Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us at:

Counterpoint Debt Collectors
Address: 20 Hill Street, Kroonstad
Telephone: 056-2129770
Email: point@pointfs.co.za

Owner and Founder
Telephone: 0824178895

Collections Specialist
Telephone: 0833958934 // 0726574279

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.