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Debt counselling is the process you start when debt has become unmanageable and overwhelming.

In most cases, our clients realise they are repeating the same bad financial habits; they have exhausted all other options and the only way out is to apply for debt counselling.

If you don’t have the means to meet all your debt repayments, such as your home, car, credit card, store accounts or school fees, and your expenses outweigh your income, then you are over-indebted and a good candidate for debt counselling.

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