Credit Counsellors can teach you the basics of budgeting and money management.

Credit Counsellors can help you to adjust your budget when your situation changes.

Credit Counsellors can help you organize a repayment plan that works for you and your creditors.

Credit Counsellors cannot lend you money.

Credit Counsellors cannot help you solve your credit problems without your commitment to change.

Credit Counsellors cannot give legal adivce.

Credit Counsellors cannot instantly solve your financial problems. It often takes time to get into the situation it will take time to completely solve it.

Credit Counsellors cannot stop utilities and services from being disconnected.

Credit Counsellors cannot stop repossession on a secured debt i.e. a car.