Debt Counselling is a debt relief measure

"This measure, provided for in the national credit act, is intended to assist over-indebted consumers struggling with debt, through budget advice, negotiations with credit providers for reduced payments and restructuring of debts.

Debt counselling is only offered by registered NCR debt counsellors. Prior to registration, debt counsellors have to successfully complete a debt counselling course, satisfy prescribed education, experience and competency requirements and display an ability to manage their own finances”


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Tips for consumers on debt management

  • Do not ignore your creditors
  • Be proactive and approach a debt counsellor when you notice over-indebtedness indicators
  • If you fail to plan, you are planning to fail (always budget and stick to it)
  • Where possible, do not borrow to maintain your standard of living, rather budget to reduce your monthly living expenses
  • Know what’s coming in and going out of your bank account
  • Bad decisions are made during good times, avoid being carried away by over-spending
  • Save for rainy days

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