Considering their already precarious financial situation, many over-indebted consumers avoid seeking debt counselling because of the costs associated therewith. However, what these consumers don’t know is that the cost of debt counselling in Durban is actually regulated by the DCASA. On application, the consumer pays a non-refundable admin fee of R50. If their application is rejected, a R300 fee applies. Once they are accepted for debt review, however, they will be able to pay off the restructuring fee - which may not exceed R3000 - over 60 working days. Similarly, 5% the monthly maintenance fee may not exceed R300 per month, and will be reduced to 3% after 2 years.