Wesbank suggests that debt counselling is not always the best solution.

I expected a slanted report, and right at the end I was not disappointed.
It was also important for consumers receiving a monthly car allowance to continue to use the full allowance towards paying off their vehicle instalment.
Other creditors that are having to take a knock while the wheels finance is getting its full slice might not agree

Unsurprisingly creditors don't like debtors paying off their debts at a slower rate than originally anticipated. Of course creditors also have to balance the rate at which they're going to get paid against the prospects of getting paid at all. Sometimes getting paid slowly is the best of a bad set of options on offer.

But the article did get me wondering - when should a consumer resort to the debt counselling option? After all, it's not exactly saving the consumer money - it's actually adding a cost.