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What can I do to reduce my debt?

Reader question: I am looking to reduce my debt to a state where I am able to manage it again and bring my statues up to a good payer. Please advise which options are available.


Debt counselling is a formal and closely managed debt solution, introduced by the National Credit Act in 2007. Debt counsellors guide clients with debt problems through debt counselling, enabling them to make monthly debt repayments and gain financial stability.

Handy tip: You can apply for debt counselling here.