Thanks for your question. However, we only address issues related to US debts, and since we notice that you are writing from South Africa, we assume that the debt you want to settle is a South African debt. Therefore, we recommend that you contact a personal finance expert or a consumer law attorney in your country to get your question answered.
Sorry we cannot be of more help to you. However, if we are wrong about the nature of your debt, please get back in touch to provide us more information.