Read these links:

http://www.legalrights.co.za/how-to-...t-counselling/

http://www.legalrights.co.za/wp-cont...guidelines.pdf

I think that the Debt Councillor would have locked the person into a contract so that they can't get around paying the remainder of the admin fees. I think that the debt Councillor would argue that the fees have to be paid in full (just like exiting a cellphone contract) because the total fee was amortized over the full period of their planned service (again - like the price of the phone in the case of a cellphone contract) - The buggers know that they are sucking blood from a stone and they would make very sure that they get all the blood that they planned for - This is just my opinion.