As a consumer in debt counselling, you have several rights protected by the National Credit Act:
• Right to apply for debt counselling when over-indebted
• Right to request and be provided with reasons if your application is rejected
• Right to a written disclosure of fees prior to application
• Right to full disclosure of the debt counselling process before application
• Right to receive distribution statements from your debt counsellor and PDA monthly
• Right to legal protection from creditor action while under review
• Right to transfer to another debt counsellor if needed
Your debt counsellor should explain all your rights during the initial consultation.