Today’s consumers have a variety of options at their fingertips when seeking assistance with debt. However, they may feel overwhelmed by the sheer number of options available, and it is wise to be concerned about predatory debt assistance. For South Africans, the best place to start is to contact the National Credit Regulator, the regulator for credit-related affairs. All legitimate debt counsellors will be registered and accredited by the NCR, and they can thus recommend reputable debt counsellor companies. Additionally, consult friends, family, and even online advice from people who have undergone debt counselling and can share valuable information with you.