In partnership with specialised financial recovery experts, The Mafadi Group provides debt recovery and financial advisory services to Body Corporates, Homeowners’ Association (HOAs), landlords, property owners, and businesses across Cape Town, KwaZulu-Natal, and Gauteng.
With extensive experience in levy recovery, rental arrears collection, CSOS applications, and financial governance, our partners take the stress out of debt management by delivering transparent, results-driven, and legally compliant solutions. This tailored approach helps clients regain financial control, reduce arrears, and maintain compliance ensuring the long-term financial stability and sustainability of their properties and communities.
Why Choose us?
- Industry Leaders in levy and rental recovery for Sectional Titles, HOAs, and Property Management Companies.
- Ethical and Compliant collections conducted under the Debt Collectors Act.
- Structured, Transparent Processes ensuring traceable, accountable recovery cycles.
- Tailored Collection Strategies adapted to each property or client portfolio.
- Our partners are integrated with The Mafadi Group for seamless financial and operational collaboration.
- Consistent debt recovery that preserves community harmony.
Our Services:
Debt Collection and Legal Recovery
We manage the entire recovery process for Body Corporates, HOAs, landlords, and property owners from early engagement to final enforcement.
Our services include:
- Levy and rental arrears collection
- CSOS applications and enforcement orders
- Legal escalation, blacklisting, and handover management
- Structured payment plans and signed Acknowledgements of Debt
- Transparent monthly recovery reports and updates
We prioritise professionalism, communication, and compliance, helping clients recover funds efficiently while maintaining strong community relationships.
Legal and Compliance Advisory
Our legal advisory division offers comprehensive support for contract management, compliance, and governance.
We assist with:
- Drafting and reviewing agreements for clarity and compliance
- Legal advice on Sectional Title and HOA legislation
- Implementation of financial risk management strategies
- Tribunal submissions, enforcement orders, and dispute support
Our legal specialists ensure your scheme or property operates with clarity, confidence, and full compliance.
Dispute Resolution and Financial Governance
We help trustees, directors, and owners resolve disputes effectively while improving financial governance structures.
Our support includes:
- Dispute resolution and mediation
- Guidance on trustee obligations and legal compliance
- Financial recovery planning and governance policies
- Training and support for sustainable financial management
We empower clients with the systems and support needed to achieve financial stability and transparent governance.
Our Proven Debt Recovery Process
We follow a structured four-week recovery cycle designed for consistency, accountability, and maximum results.
Week 1: Early Arrears Engagement (3+ Months in Arrears)
- Contact all owners 3 months or more in arrears (not yet handed over).
- Engage via phone, email, SMS, and WhatsApp.
- Offer payment arrangements and issue Acknowledgement of Debt for signing.
- If no payment within 14 days → escalate to Soft Collections.
- After 14 days → move to Hard Collections and blacklist the account.
- Use tracing tools such as CPB and SearchWorks to update contact details.
- Prioritise securing debit orders and managed accounts.
Week 2: Active Arrears Management (Partially Paid or Current)
- Focus on owners with current arrears or partial payments.
- Send arrears letters and SMS reminders on the 8th of the month.
- Follow up through all communication channels.
- Emphasise payment arrangements and debit order sign-ups.
Week 3: Final Demand and Settlement (2 Months in Arrears)
- Send Final Demand letters and SMS on the 15th of the month.
- Contact owners to propose settlement plans.
- Focus on mid-month payers, deceased estates, new owners, and clearance requests.
Week 4: Legal Escalation and Handover Management
- Review and manage all handed-over matters and accounts excluded from prior weeks.
- On the 25th, send SMS and letters for legal or handed-over accounts.
- Prioritise: developer units, deceased estates, insolvent cases, CSOS matters, and penalties.
- Provide updated reports on all active recovery cases.
This structured process ensures that no debtor is overlooked, arrears are actively managed, and clients receive regular feedback throughout the cycle.
CSOS Specialist Services
To help clients save on legal fees and streamline levy dispute resolution, Mafadi Property Services has appointed Ripple Finance (Pty) Ltd as its official Community Scheme Ombud
Service (CSOS) Specialist.
Our CSOS team assists with:
- Initiating, attending, and concluding applications through the Ombud’s office.
- Responding to disputes and enforcement actions efficiently .
- Reducing legal fees compared to traditional litigation.
Cost Advantage:
Traditional attorney-led recovery costs average R5,000 – R5,500 (excl. VAT).
Through Ripple Finance’s CSOS service, the same process averages only R2,430 (excl. VAT) offering significant savings without compromising results.
