If you are over-indebted and seek relief visit our website to find out more about debt counselling. My service offering is superior due to the following facts :1. There are no backroom staff or consultants - you only deal with a qualified debt counsellor who handles every stage of your process.2. I place a huge focus on the counselling aspect.3. You will not be excluded from the process - you participate in all decision making and are kept up to date at all times.4. You will have a personal consultation with myself before you decide to make an application.5. If your debt review is not before the courts within 60 business days of making your application I WILL REFUND YOUR MONEY.6. My fees are amongst the lowest in the industry and below the maximums specified in the guidelines.