STEP 1: The consumer makes an ENQUIRY with a registered debt counsellor
STEP 2: The consumer FORMALLY APPLIES with the registered debt counsellor for debt counselling
STEP 3: A notification is sent to all the credit providers of the consumer, informing them of the debt counselling application, and a CERTIFICATE OF BALANCE is requested
STEP 4: It is determined if the consumer is OVER-INDEBTED
STEP 5: A REPAYMENT PROPOSAL is sent to the consumer’s credit providers
STEP 6: The credit provider either ACCEPTS OR DECLINE the repayment proposal
STEP 7: APPLICATION to COURT is made by the debt counsellor as the applicant in the matter
STEP 8: The COURT HEARING and the COURT ORDER
STEP 9: The debt counsellor is responsible for the AFTERCARE of the consumer
STEP 10: A CLEARANCE CERTIFICATE is issued to the consumer when all debt is repaid
