Individual · Debt Relief

Drowning in debt with no way out. There are legal options you may not know about.

Short answer

Sequestration is not the right answer for everyone — but for some it is the only genuine path to a fresh start. KLS gives you an honest assessment of all your options before you make any decision.

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Who this is for

Is this where you are right now?

Your total debt far exceeds what you could ever repay

The combined balance of your debts — including judgment debts, personal loans, and credit accounts — is so large that even years of payments would not clear it.

Creditors are threatening legal action or you've already been summonsed

Letters of demand, summonses, or attachment threats are arriving. You need a legal buffer between you and your creditors while you find a way forward.

You want a genuine fresh start, not just a repayment delay

Repayment-focused routes stretch out payments. Sequestration, in the right circumstances, can discharge qualifying debts and give you a legally clean slate to rebuild from.

The cost of waiting

The cost of staying in the debt trap

Without a structured legal exit, unmanageable debt compounds in ways that become increasingly difficult to escape.

Judgment accumulation

Each unpaid creditor can obtain a separate judgment. Multiple judgments mean multiple warrants of execution and garnishee orders — attacking your assets and income from multiple directions.

Asset attachment

Once a warrant of execution is granted, the sheriff can attach your vehicle, household furniture, and other movable assets. This can happen with little warning.

No access to credit for essentials

With multiple judgments and a poor credit profile, you lose access to even basic credit facilities — making it harder to manage day-to-day life.

Mental and financial exhaustion

Living under constant creditor pressure is exhausting. A structured legal resolution — whatever form it takes — restores a degree of control and certainty.

How it works

How KLS guides your sequestration assessment

01

Honest options assessment

We review your full financial position — income, assets, total debt, and creditor actions. We assess whether sequestration, settlement, legal recovery, or another route best serves your situation. We will tell you the truth, even if it's not sequestration.

02

Sequestration qualification check

Not everyone qualifies. We assess whether you meet the legal requirements — including the advantage to creditors test — and whether the timing and approach maximises the benefit to you.

03

Application and rehabilitation pathway

If sequestration is the right route, we manage the full application. We also explain the rehabilitation process upfront — so you understand exactly when and how you emerge with a clean financial record.

Before you start

What KLS checks before opening the matter

The intake is designed to classify the legal route, identify the documents that matter, and flag whether the matter needs attorney review before a formal step is taken.

Start this assessment

Assessment route

Personal Debt Assessment

Review posture

Attorney review

Primary audience

Individual

Legal context reviewed

Voluntary sequestration, Formal repayment route alternatives

Last reviewed: 17 May 2026 · Next review due: 17 Nov 2026

Trust and intake boundaries

What you can expect at this stage

Information is treated as confidential intake information.
The page explains the route before you submit an assessment.
Assessment content is routing support, not legal advice by itself.
Costs or formal legal work must be scoped after review.

Document readiness

Useful documents to prepare

Creditor list
Income and expense notes
Judgments or summonses
Asset and debt summaries

Routing checks

What the assessment helps KLS identify

Debt size and pressure level
Assets, income, and affordability indicators
Whether judgments or legal documents are already involved
Which route may need professional review first

This assessment is not legal advice and does not recommend sequestration by itself. It helps KLS identify what should be reviewed.

Guided pathways

If you are still deciding, use the pathway first

Overwhelming personal debt

Related guides

Understand the issue before you submit

Sequestration Suitability and Legal Recovery Routes | KLS Legal

FAQs

Questions about personal sequestration

Repayment-focused routes aim to pay debt down over time. Sequestration is a legal process where your estate is surrendered to a trustee, qualifying debts are discharged, and you get a fresh start. It is more drastic and must be assessed carefully against your assets, income, and legal consequences.
Not necessarily. The trustee administers your estate to pay creditors, but certain assets may be protected. The outcome depends on your specific asset position. We explain exactly what you stand to lose and gain before any decision is made.
The sequestration itself is followed by a rehabilitation period — typically 4 years after which you can apply for rehabilitation and restore your full legal and financial standing. We explain the full timeline at the outset.
Yes, in most cases. There are restrictions on certain positions — particularly in finance and public office — but most people continue working normally through the process.
Possibly — but we will not tell you it is until we have reviewed your full situation. Many people who come to us thinking they need sequestration are better served by another route. Our assessment is honest, not sales-driven.

Get started

Get your free debt assessment

Tell us about your situation — debts, income, and what creditors are doing. We'll give you an honest view of your options with no obligation.

Start the secure intake

You will answer a short set of questions so KLS can route the matter into the correct review process.

Continue to intake

Your information is confidential and used only for intake and consultation purposes.

Priority outcome

You receive a first pathway outcome.

Document guidance

KLS identifies missing facts and documents.

Next step routing

A consultation route is only confirmed after readiness checks.

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