Debt is quickly becoming an epidemic affecting people of all incomes and backgrounds and when it comes to the workplace, can result in low morale, increased stress levels, creditor's calls to the office and a dramatic fall in the productivity of staff. RAMONTI DEBT COUNSELLING offers comprehensive, highly effective debt solutions and as one of the largest debt counseling organizations in South Africa, we also specialize in counseling groups about debt. So if you think your employees may benefit from talking to us, get in touch and arrange for us to come in and see your staff or call us today to discuss your individual requirements.At RAMONTI DEBT COUNSELLING we offer you a personalized service including the best advice as to which debt solution is the most appropriate for your situation.Purpose of Debt CounsellingTo assist over-indebted consumers, and to advise and protect consumers against reckless lending by credit providers, often resulting in legal action being instituted against credit providers to have the applicable credit agreement suspended or set-aside.The debt counsellor acts as a negotiator between the over-indebted consumer and credit providers.To be DEBT-FREE in a fixed period of time.You will be eligible to apply for debt review even though action has been taken against you, or judgments have been taken against you or if you have been blacklisted.