Credit Bureau Expert S.A
Credit Bureau Expert S.A

We Listen | We Fight | You Win

Protecting Your Rights & Restoring Your Financial Freedom

BH Legal Support Group provides expert legal defense, debt review removals, default judgement rescissions, and credit bureau profile restoration. Stand up against unlawful debt collection today.

100%

NCA Compliant

11+

Specialized Practice Areas

Fast

Bureau Clearance

Immediate Assistance

Facing Any of These Credit & Legal Challenges?

Under Debt Review?

We institute legal proceedings to issue your Clearance Certificate and remove Form 17.2 status.

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Over Indebted?

Stop harassment from debt collectors. Restructure your monthly obligations into one affordable payment.

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Received Summons?

Act within 10 court days! We file notice of intention to defend to protect your assets and wages.

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Received Sec 129 Notice?

Section 129 is a final warning. Contact us immediately before the bank executes legal action against you.

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Vehicle Declined?

We clear adverse credit flags and connect you with authorized Rent-to-Own vehicle solutions.

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Our Expertise

Specialized Legal & Credit Bureau Services

Comprehensive legal defense, credit repair, and financial restructuring tailored to South African consumer legislation.

Legal Services

High Court & Magistrates Court representation, litigation defense, and contract disputes across South Africa.

  • Court Appearances & Defense
  • Contract Analysis & Disputes

Mediation

Professional alternative dispute resolution between consumers, creditors, and financial institutions without lengthy court trials.

  • Out-of-Court Settlements
  • Creditor Negotiation

Debt Consolidation

Combine multiple debt obligations into one structured monthly installment with reduced interest rates.

  • Lower Monthly Payments
  • Protection from Harassment

Debt Review Removals

Legal removal of Form 17.2 debt counselling status and issuance of official Form 19 Clearance Certificates.

  • Form 19 Clearance Certificate
  • Bureau Status Update

Prescribed Debt Removals

Erase expired debts under Prescription Act 68 of 1969. We challenge unlawful collection of debts older than 3 years.

  • Prescription Act Defense
  • Expired Debt Write-Off

Default Judgement Removals

Rescission of default court judgements registered against your name to fully restore your credit score.

  • Rescission Court Orders
  • TransUnion & Experian Removal

Sequestration Removal

High Court rehabilitation services to remove insolvency notices and restore your financial and legal capacity.

  • Rehabilitation Applications
  • Full Solvency Restoration

Rent to Own Cars

Acquire reliable vehicles through authorized rent-to-own programs even if you have blacklisting or debt review flags.

  • No Bank Approval Required
  • Path to Vehicle Ownership

Reckless Lending Investigation

Audit loan agreements where credit providers failed to perform affordability checks under the National Credit Act.

  • Affordability Assessment Audit
  • Debt Cancellation Applications

Bad Payment History Repair

Dispute and clear incorrect, outdated, or unfair adverse flags on TransUnion, Experian, XDS, and Compuscan profiles.

  • Multi-Bureau Profile Audit
  • Credit Score Optimization

Fraud Investigation

Legal action and forensic defense against identity theft, fraudulent loans, and unauthorized debit order scams.

  • ID Theft Clearing
  • Unauthorized Credit Removal
Interactive Tool

Free Credit & Legal Assessment Quiz

Answer 3 quick questions to check your eligibility for debt review removal, judgement rescission, or debt write-off.

Step 1: What primary issue are you experiencing?

Debt Review Status

I want my Form 17.2 status removed and a Clearance Certificate.

Default Judgement

I have a court judgement on my credit bureau report.

Received Legal Notice

I received a Sec 129 letter or court summons from a creditor.

Old / Prescribed Debt

Debt collectors are demanding payment for accounts 3+ years old.

Step 2: Have your original debts been paid or restructured?

Fully Paid Off

I have settled my accounts but remain flagged on credit bureaus.

Unlawfully Enrolled

I never agreed to debt review or was misled by a counselor.

Partially Paid

I still have active accounts but need restructuring.

Unsure / Need Audit

I need a legal specialist to pull my credit reports first.

Step 3: How quickly do you need this resolution?

Urgent / High Priority

I have a court deadline or urgent vehicle application pending.

Standard (Within 30 Days)

I want to clean my credit record for upcoming home or loan finance.

Our Promise

Why South Africans Trust BH Legal Support Group

01

Legal & Court Experience

Our team comprises qualified legal practitioners thoroughly versed in the National Credit Act and Magistrate Court rules.

02

Clearance Guarantee

We do not make empty promises. We fight unlawful listings through proper court applications and formal NCR disputes.

03

Transparent Pricing

No hidden fees. Free upfront case evaluation before you commit to any legal procedure.

04

Direct Client Support

Continuous updates via Phone, Email, and WhatsApp. Dedicated legal consultant assigned to your file.

Got Questions?

Frequently Asked Questions

Yes! If you were placed under debt review without signing proper consent, without an affordability assessment, or prior to a court order being granted, we can apply to court to have the debt review order rescinded or set aside.
A Section 129 Notice is a mandatory letter issued under the National Credit Act informing you that you are in default. You have 10 business days to respond or seek legal assistance before the creditor can issue a summons to attach your assets.
Where consent is obtained from the creditor, rescission can take 2 to 4 weeks. Where a formal court hearing is required, it typically takes 4 to 8 weeks depending on court roll availability.
Under South African law, unsecured debt prescribes after 3 years if you have not made a payment, acknowledged the debt in writing, or been summonsed. Creditors are legally prohibited from collecting or listing prescribed debt.
Get In Touch

We Listen | We Fight | You Win

Speak directly to our legal specialists today for a free confidential assessment of your credit and legal standing.

Landline Support

087 801 4662

Mobile Helpline

069 009 2162

WhatsApp Direct

070 459 5622

Email Enquiries

bhlegalexperts@outlook.com

Request Free Case Evaluation

Fill out your details and a legal specialist will contact you confidentially.