Gauteng boasts the highest debt rate in South Africa. Fortunately, the debt counselling company has emerged as an organisation that can save consumers from financial ruin. A debt counselling company will assess the finances and budget of the consumer, and restructure the payment plans and allotted expenses, so that there is enough cash-flow for both debts and monthly living costs. Because they have legal power, the debt counselling company is able to halt to legal proceedings against the consumer under debt review. They also renegotiate payment terms and interest rates with creditors to the consumer’s benefit. In this way, debt counselling is able to offer financial relief to consumers in potentially dire situations.