- Most people have it. There are over 18 million credit active South Africans, and nearly 9 million have impaired credit records.

- Debt is as much an emotional issue as it is a financial one. It can put tremendous strain on relationships and family

- Most people struggle financially because of their debt repayments. The largest portion of a households income often goes toward paying debt.

- Because of high debt repayments, many households do not have enough money to “ live on”

- There is a huge amount of guilt and shame attached to debt. People do not want to talk about it. The topic is practically taboo.

- Many people think that if they ignore their debt, it will automatically disappear.

- Very few people know what the true status of their debt situation is.

- Even fewer people know what their options are with regard to their debt.

- People need to become aware of the option of debt counselling to lighten their burden of debt.