When the ledger turns against you, we turn it back.
Whether you're drowning in debt disputes or fighting an unjust listing, we defend your credit rights — every hearing, every letter, every objection.
The credit battles we fight for you.
Credit law isn't a side practice for us — it's the ground we stand on. Here's exactly where we step in.
Credit Bureau Disputes
When a default, judgement, or administration order sits on your name that shouldn't be there, we lodge the formal disputes and follow through until it's removed — not just flagged.
Ask about thisReckless Lending Objections
If a creditor gave you credit you couldn't afford — without proper affordability checks — that agreement may be reckless under the National Credit Act. We build the objection and fight to have it set aside.
Ask about thisDebt Collector Defence
Calls at work. Threats at your door. Demands that ignore the law. We step between you and the collectors, enforce your rights under the NCA, and stop the harassment cold.
Ask about thisCredit Record Restoration
A clean record means a bond, a car, a business loan — the life you're trying to build. We walk the rehabilitation process with you, end to end, until the bureaus reflect the truth.
Ask about thisLaw that fights like it should.
Credit law is technical, slow, and unforgiving — exactly why you shouldn't face it alone. We bring the statutes, the procedure, and the persistence.
Ask about thisStatute-first, always
Every dispute we lodge is grounded in the National Credit Act — not templates, not guesswork, not hope. The law is the argument.
You see every move
No black-box handling. When we lodge, write, or escalate on your behalf, you know — in plain language — what was done and why.
Limpopo-based, in person
We're not a call centre in another province. You sit across a real desk from a real practitioner who knows your file by name.
Outcomes, not paperwork
A letter sent is not a result. We measure success by what's removed, set aside, or stopped — the thing that actually changes your record.
The things clients ask us first.
How long does it take to remove a wrongful listing?
Bureaus must investigate within 30 business days once a dispute is formally lodged. If they uphold a wrongful listing, we escalate to the Credit Ombud or tribunal — which adds weeks, not months. We tell you the realistic timeline for your specific case at consultation.
What's the difference between a default and a judgement on my report?
A default is a creditor's internal note that you paid late or not at all. A judgement is a court order against you — far more serious and harder to remove. Both can be disputed, but the process and the threshold differ. We assess which one you're facing before we move.
Can a debt collector really take my salary or my car?
Only with a court order, and only within strict NCA limits on what can be deducted. Many collectors threaten attachment they have no legal right to carry out. We verify the order, challenge unlawful attachment, and force the collector back inside the law.
What is reckless credit, and how do I know if I have it?
If a creditor gave you credit without doing proper affordability checks — or when they could see you couldn't afford it — that agreement may be declared reckless under the National Credit Act. The court can suspend or set it aside entirely. Bring your agreement and payslips to consultation and we'll assess it.
Do you take walk-ins, or must I book first?
We see clients in person at our Limpopo office Monday to Friday 08:30–17:00, and Saturdays 09:00–13:00. To guarantee a practitioner is free for you, send a WhatsApp first and we'll lock a slot — but if the door is open, you're welcome to come in.
The law is the argument — not hope, not luck.
Built to clear your name properly.
We are BH Group Incorporated, a Limpopo-based legal practice working exclusively in credit law — the National Credit Act, the bureaus, the collectors, the courts. That focus means we know the procedure cold, and we don't get pushed around by creditors who hope you won't read the fine print.
You walk in carrying a listing, a summons, a threat, or a question. We give you a clear read on where the law stands, what we can do about it, and what it will take — in language you can actually act on.
From the first dispute letter to the final removal, every step on your file carries our name and our standard. We do this work because credit is how people build lives — and a wrongful listing shouldn't be allowed to take that from you.
Four steps from listing to cleared.
Consultation
You come in or send a WhatsApp. We read your credit report, your summons, or your creditor's letter — and tell you what's really going on.
Assessment
We identify which listings are wrongful, which agreements may be reckless, and which defences the NCA gives you against each one.
Action
Disputes lodged, objections filed, collectors answered, escalations prepared. We move on every front the law opens for you.
Resolution
Listing removed. Agreement set aside. Harassment stopped. Your record reflects the truth — and you can move forward.
When you'll find us at the desk.
Where we practise.
Based in Limpopo, South Africa, we see clients in person at our office and handle credit bureau disputes, reckless lending objections, and debt-collector matters across the province and beyond.
Tell us what's on your record.
Send the basics — we'll come back with a clear read on your situation and what to do next.
Reach us the easy way.
Limpopo, South Africa
In-person consultations by appointment or walk-in during office hours.
A wrongful listing doesn't fix itself. We do.
The longer a bad listing sits on your name, the more it costs you — in bonds refused, in cars you can't finance, in doors that stay closed. Let's start fixing it today.
What customers say
Real reviews from real customers
The service at BH Group Incorporated was absolutely amazing. They were so friendly and made the whole process easy to understand.
Anisha F.
I am really happy with how reliable and professional this team is. They are definitely the best choice in Limpopo.
Thabo T.
Great value for money and very helpful staff. I highly recommend them if you want people who actually care about your case.
Vusi H.
They helped me out so much and their communication was excellent throughout. Highly recommend their professional services.
Zanele O.