Your credit counsellor can help you understand what went wrong, as well as your rights and responsibilities. Your counsellor will plan a responsible budget and suggest a strategy for dealing with your debts.

• You may need budgeting or credit guidance:
• You may also need the help of a counsellor to arrange a satisfactory solution with your creditors: or
• You may need a debt repayment plan in which you make monthly payments to the agency which is prorated amongst your creditors