Why should I consider debt counselling as a solution to my financial problems?

Debt Counselling was specifically designed by  the National Credit Act to protect Consumers from having their assets repossessed. The process is a legal process which every Credit Provider including the banks must participate in. Credit Providers therefore cannot take legal action against you,  if you choose to go for Debt Counselling. Your monthly instalments are reduced on each account by 50 to 60% depending on the Credit Provider in question. Immediately you apply for Debt Counselling,  all  legal proceedings  will stop.Your arrears fall away and in respect of  most of  your Accounts your interest rates can drop to zero per cent!