As the landscape of debt collection continues to evolve, the role of a debt collection agency in South Africa becomes pivotal in bridging the gap between creditors and their debtors. One such approach that has garnered attention and appreciation is the rehabilitation of bad debtors.

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Debt counselling is the process of assisting consumers who are over-indebted. This is done by providing legal advice and negotiation with relevant creditors to restructure debt while also offering valuable budgeting advice to avoid future debt.

Over-indebtedness can be defined as a consumer’s inability to pay debts in time or if the total debt exceeds the consumers income after expenses have been paid.

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