Are you eligible to apply?
If you do not have an income, then unfortunately Debt Counselling will not be an option.
What you need to do to apply:
You will need to provide a Debt Counsellor with the following information:
A list of your:
Income and expenses and all your debt
A recent payslip
A copy of your bank statement
However, please note:
Ensure that you list all of your debt, e.g. house, car, credit cards, etc.
If legal action has already begun on some your debt, these will be excluded from the legal part of the debt review. The Debt Counsellor will still try and make arrangements on these debts for you, but they will not be enforced by a Court Order.
If you married in community of property, both you and your spouse’s income will be included in the joint application. If you are not married in community of property then you may optionally make a joint application.