If you cannot get assistance from your bank (or credit providers) to reduce your monthly payments so that you can just survive in these trying times, then a Debt Counsellor is there to help you. You are recommended to consider to consult a debt counsellor for advice on how to extricate yourself from the debt trap. A debt counsellor is someone who is registered with the National Credit Regulator and who assists consumers who are experiencing debt-related problems and are having difficulty making their current monthly payment By providing them with budget advice support And mediation with credit providers. Legally, you are entitled to be placed under Debt Review. Once you are placed under Debt Review, creditors may no longer bother you with threats or demands for payment. You will receive your dignity back and you will be able to return as an asset to society.