A debt counsellor is a professional registered with the National Credit Regulator (NCR) who helps over-indebted consumers manage their debt through the debt review process.
They assess your financial situation, negotiate with creditors on your behalf, and create a restructured payment plan that you can afford. Debt counsellors must hold a valid NCR registration number (starting with NCRDC) to practice legally in South Africa.
Read the official rule
This question is governed by the following clauses from the NCR Task Team Agreements (Guideline 001/2015):