I remember some time ago, around the time that NCA came about. If an individual was in serious debt and couldn't make the payments, they could apply to somewhere for debt counceling/consolidation.

Does anyone have any idea how to go about this and who to contact? I have an employee who is having trouble affording his bond and the bank won't even listen to his case. With the result that he is about to loose his home.

I found the number of a debt councellor on the net, when he called, the chap on the other end wants to gharge him R6000.00 to negotiate with the bank on his behalf!