Debt Counselling came into effect on 1 June 2007 with the introduction of the new National Credit Act or NCA.

Debt Counselling was introduced to provide a mechanism for solving the customer’s problem of being over indebt. It also provides a consistent system of debt restructuring, enforcement and judgement, which places priority on the eventual satisfaction of all responsible for the consumer obligations under the credit agreements.

The process of Debt Counselling (also referred to as Debt Review) was developed to

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