Almost 8 million South African consumers are unable to meet their financial commitments every month. Of all nine provinces, Gauteng is the worst, with the highest debt per capita. Consumers here owe an average of R4000.00, and are in need of a debt management method to wipe their credit slate clean and restore their financial health. This is where debt counsellors in Gauteng have become an indispensable tool for facilitating a return to credit health for many consumers. Because of the legal power afforded to them through the National Credit Act, debt counsellors in Gauteng are able to negotiate with creditors and offer consumers protection, with the law firmly on their side.