The main service of a debt counselling company in Cape Town is that it enables consumers to clear their debts. This is not an overnight solution, and does not involve additional loans or selling assets. The debt counselling company will assign a consultant, or debt counsellor, to work one on one with the client and review their income, expenditure and debts. The counsellor will develop a new budget, with payment of debts as a priority, and will negotiate with the client’s creditors to meet the payment structure by lowering their rates. Under this system, the consumer is fully protected by the law.