
Can You Apply for Sequestration If You Have Assets?
If you are considering Sequestration as a solution for managing overwhelming debt, you might wonder if owning assets complicates the process.The good news is, yes, you can apply for Sequestration,
At Ursula Gouws Consulting, my team and I will help you find the right legal solution for your unique debt situation.
We understand that financial distress can be overwhelming and may bring feelings of guilt, shame, and anxiety. Many people experience this, and you are not alone.
You can be confident that my team will support you through the legal process with care and clarity, helping you regain financial stability and move forward with dignity.
Personal Sequestration is governed by the Insolvency Act 24 of 1936 and offers a legal, High Court-approved way to clear your debt and rebuild your financial stability.
The Personal Sequestration legal process is designed for individuals who can’t pay what they owe anymore, when debt is out of control, and liabilities exceed assets.
Business Liquidation is governed by the Insolvency Act 24 of 1936 and is the legal way to shut down a business that can’t pay its debts before it destroys you personally.
The Business Liquidation legal process is designed for business owners who can’t pay what they owe anymore, when debt is out of control, and liabilities exceed assets.
Ursula Gouws is a registered Debt Counsellor – NCRDC3783 at the National Credit Regulator (NCR).
Ursula Gouws Consulting is a member of DCASA – Debt Counsellor Association of South Africa.
Are you feeling overwhelmed by your debt?
You are not alone, and you are not out of options.
At Ursula Gouws Consulting, we provide honest and legal solutions:
Legal debt relief options to help you escape the debt chaos and build a new financial future.
You don’t have to go down this road alone.
We invite you to discuss your financial situation with us before we determine which legal process is the most suitable choice for you at this time.
My team and I have over 20 years of industry experience.
We want to offer you the best legal outcome while helping you with a positive, debt-free, and financially stable future.
The Ursula Gouws Consulting team has assisted and supported thousands of individuals and businesses through this difficult time, helping them achieve financial stability.
EXCELLENT Based on 22 reviews Posted on Tanja Duvenage24 November 2025Trustindex verifies that the original source of the review is Google. Excellent service was kept in contact with everything that is happening i am fully sequestrated an no problems after i was finished best service and company everyone willing to help alwaysPosted on Alicha Havenga24 November 2025Trustindex verifies that the original source of the review is Google. Fantastic service, non stop communication to keep you updated regards to your process. They've helped me so much with my debt making life easier and a bit stress free ... Thank you so muchPosted on manuela delport31 October 2025Trustindex verifies that the original source of the review is Google. Thank you for assisting us in an overwhelming time of our lives. Your guidance and support brought light when things were uncertain. I appreciate your kindness, compassion and transparency. I Most definitely recommend Ursula Gouws Consultants.Posted on Refiloe Phekani22 September 2025Trustindex verifies that the original source of the review is Google. Great service from Ursula and Charmaine. The process was straightforward and they provided regular updates, advice and follow-up. Would definitely recommend Ursula and her team to anyone being crushed by debt.Posted on Louise Van Der Linde14 July 2025Trustindex verifies that the original source of the review is Google. Valued Ursula,Charmaine&team,,many thanks for making such a differnce in our lives,being part of the journey each step of the way,operating from a level of excellency!simply being the best! in every way,professional, highly skilled ,friendly,knowledgeable,and certainly one word describes this business-INTEGRITY-Special thx to Charmaine whom knows how to deal with people, understanding and very supportive,without a doubt Ursula and her magnificent team is recommended!forever grateful Henk and LouisePosted on Sophia Jansen Van Vuuren7 May 2025Trustindex verifies that the original source of the review is Google. Ursula has been an incredible guide in helping us regain control of our finances. She explained every step of the process with clarity, making everything easy to understand and stress-free. The support from Ursula and her team was nothing short of exceptional. Every question we had was answered promptly and with the utmost professionalism. We wholeheartedly recommend Ursula Gouws Consulting to anyone seeking expert financial guidance. With her help, you will feel confident and supported every step of the way Very satisfied clients, Matthew and Sophia Jansen Van VuurenPosted on Ettiene Swanepoel23 April 2025Trustindex verifies that the original source of the review is Google. I was extremely satisfied with the service I received I would recommend Ursula Gouws Consulting any time I would like to thank Charmaine for her great servicePosted on Olivia Bennett2 April 2025Trustindex verifies that the original source of the review is Google. At first glance everything regarding Ursula Gouws Consulting and the sterling reviews posted online may seem a bit suspicious or too good to be true but I promise you,every positive review is on point and more.The level of integrity with which the company is run felt unreal on most days and Charmaine,the way you invested your time in me and my wellbeing was something I've never experienced before. Thank you once again for giving me a new lease on life Ursula Gouws Consulting🥹🙌🌹.Posted on Shirley de Bruyn21 February 2025Trustindex verifies that the original source of the review is Google. Wow wow wow!! I truly have no words to describe the AMAZING service we received from Ursula Gouws from the very first encounter! With beautifully, detailed, honest and patient explanations, each step of the way. Everything was so smooth and guided, we never had to wonder what's next. What an absolute painless and pleasant experience. I would honestly recommend Ursula Gouws Consulting to anyone!Posted on Gusta van Zyl29 January 2025Trustindex verifies that the original source of the review is Google. Ursula offered me 5 star advice, assisting me through the toughest time I have every experienced. Thank you for the advice and support during the uncertain time.
Ursula Gouws Consulting assists with only legal debt relief solutions in South Africa, including Personal Sequestration, Business Liquidation, and Debt Counselling. We are not lenders or providers of credit. All services are offered in compliance with the National Credit Act (NCA) and South African Insolvency Law. Results vary depending on individual circumstances.

If you are considering Sequestration as a solution for managing overwhelming debt, you might wonder if owning assets complicates the process.The good news is, yes, you can apply for Sequestration,

Short answer: Yes—you can. Sequestration is a legal solution designed to help individuals who can no longer meet their financial obligations. And contrary to popular belief, you don’t need to

Financial crises can feel like an overwhelming storm. Between mounting debt, lingering stress, and feelings of helplessness, it is easy to believe there is no way out. But what if