Who goes for debt counselling?

Any consumer who has entered into a credit agreement and is declared over indebted by the debt counsellor can go for debt counselling. However certain credit agreements can be excluded from going under debt counselling if the credit provider has already proceeded with legal action. It is therefore very important that you act early when you are experiencing repayment problems so that all your credit agreements can be included under debt counselling.


If the credit provider has already taken legal steps then mediation might be the solution.