Thanks to the National Credit Act that came into effect in June 2007, there is an alternative to help people manage their debt. Over in debted consumers can now apply for debt counselling with the help from the National Credit Act.Lx Debt Counsellors will act as a mediator between yourself and all your creditors. We will draft a proposal on your behalf showing your new reduced payments per month. The proposal will be based on your own individual circumstances and what you can afford. This proposal will be sent to all your creditors and if your creditors agree to this proposal we will obtain a court order that formalizes this new reduced payment schedule.Debt ProblemsDebt ProblemsDebt ProblemsDebt ProblemsDebt CounsellorsDebt CounsellorsDebt CounsellorsDebt Counsellors