South Africa
Acknowledgment of Debt (AOD)
R 520
Formal, signed acknowledgment of liability (also known as an Acknowledgement of Debt or AOD)—often used to interrupt prescription under the Prescription Act 68 of 1969 when properly structured.
South African legal context (2026 checklist)
Whether an instrument is an NCA credit agreement affects cost disclosures and registration. Specialist advice is recommended for large or complex debt.
- Prescription Act 68 of 1969
- National Credit Act 34 of 2005 (if a credit agreement)
- Consumer Protection Act 68 of 2008
Use this as a starting point only. Verify current gazetted amendments, tribunal rules, and SARS / DOL circulars that may apply to your matter.
Typical questions we'll walk you through
Each step uses plain language—icons help you scan what comes next.
Debtor full names and ID?
Creditor details?
Capital amount and costs?
Repayment plan?
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