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Debt counselling is for any consumer who is over-indebted and struggling to meet all his/her debt repayments on time; or if he/she do not have enough money left after paying all their essential living costs to service their debt. Important : Debt counselling is not another loan, but a legally governed process of getting consumers debt free after following a structured process of negotiation with and repayment of debtors.

SIGNS THAT YOU MIGHT BE OVERINDEBTED :

* Letters, notices and phone calls from creditors
* When you borrow on a regular basis from micro-lenders/cash-loans
* When you have garnishee orders against your salary
* When you are using a credit card to buy groceries or to pay other basic living costs, debt and instalments

Your Personal Details Title: Mr. Mrs. Miss. Ms. Dr. Prof. Name: Surname: ID number: invalid id number Telephone number: Cellphone number: Your e-mail address:	Your Financial Details Your monthly net income after tax: Select R0 - R5000 R5001 - R7000 R7001 - R9000 R9001 - R12000 R12001 - R15000 R15001 - R20000 R20000+ Your total debts: Your total monthly debt repayments: Do you own property: Yes No