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DEBT COUNSELLING Debt Counselling is not a means to avoid paying your debt obligations and does not dissolve these obli- gations. Debt Counselling provides assistance to over-indebted consumers who are having difficulty making their current monthly debt repayments. Debt Counsellors provide consumers with advice on how to draw up and stick to a budget, and negotiate with Credit Providers on a more favourable repayment proposal. Debt Review only covers credit agreements. However the Debt Counsellor may include other agreements in the consumer’s monthly budget.