Vision & Mission


At JJ Harmse and Associates, our vision is to be recognized as the most reliable debt and credit collectors agency in South Africa,  whom focuses on debt collection services for large financial institutions, but also caters for the individual. 

This vision is achieved by our strong ethical values and principles.


Our mission is to provide world class debt collection service to our clients, achieve the highest recover rate with the least amount of hassle and with the lowest cost to our clients, whilst preserving our client’s goodwill and our reputation.

JJ Harmse and Associates is a Credit Collectors agency based in Johannesburg specializing in various Debt and Credit collecting services. If you are interested in our debt collection services or if you would like to find out more about the debt collection process, please Contact Us.

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