I am a registered debt counsellor assisting consumers for the past 11 years - all over South Africa _ to become debt free. I give personal attention to each of my clients ( no call centre or talking to someone else everytime you have a query) . I also assist those - not in need of debt review - who just need some advice as to their finances - working out budgets or strategy for paying of debts quicker. Having the assistance of an inhouse attorney as well as brokers we can tend to all your needs in saving money and paying of debts quicker. Debt is not a life sentence - I can assist you - for those having to go under debt review - remember once the process is complete and all the debt settled we assist in clearing your ITC - so Yes you will be able to make debt again (eg buying a house or vehicle etc. ) Amina Grobbeler NCRDC2881