Any South African experiencing or who is likely to experience debt-related problems and is having difficulty making their current monthly payments. A person who is over-indebted may approach a Debt Counsellor directly, or may be referred to a Debt Counsellor such as National Debt Support by their creditor/s, the Magistrate Court, or the National Credit Regulator. The person must choose their own Debt Counsellor and should also have a distributable income which will be used to offer reduced payments to the credit providers.