Do you need a debt counsellor?
Fin24.com's Money Clinic has invited users to share their financial headaches.
Jasen writes: What are your thoughts on the services of a debt counsellor?
Money Clinic: The National Credit Regulator started registering debt counsellors in 2007. The counsellors have to be trained according to NCR standards and also have to comply with other requirements, like having grade twelve and at least two years' experience in a relevant field, e.g. in the financial sector or law.
The credit crunch is in. There are people out there who can help you. Or just click here to get in contact with a debt counsellor. Find our more about the NCA and the NCR. What should you be paying? your guide here.