<p>A consumer may apply to a Debt counsellor to be declared over-indebted. If the debt counsellor finds that the consumer is indeed over-indebted, he/she will make a recommendation to the Magistrate’s Court for the consumer to be declared over-indebted. The Court may in turn re-organise the consumer’s debt by extending the term of any agreement, postponing payments, recalculating unlawful fees or interest and may order adjustments to improperly charged items.</p>
<p>If a debt counsellor finds that a consumer is not over-indebted, he/she will provide the consumer with a letter of rejection. The consumer may then appeal to court for a review of the counsellor’s decision.</p>
<p>A consumer who is over-indebted may approach a debt counsellor directly, or he/she may be referred to a debt counsellor by his/her creditor/s or by the magistrate court. </p>
<p>Please click on any of the following regions to find counselling services in your area, or if you are looking for a Debt Counsellor please go to the <a href="../register_of_registrants/index.html">Register of Registrants</a> page:</p>