During the Debt Counselling process, clients have several key responsibilities to ensure the process runs smoothly from the application date through to the final settlement of debts. By fulfilling these responsibilities, clients can make the most of the Debt Counselling process and work towards achieving financial freedom.

Here’s an overview of client’s responsibilities:

1. Provide Accurate Information: At the application stage, clients must provide complete and truthful details about their financial situation, including income, expenses, assets, and debts.
2. Adhere to the Repayment Plan: Once a repayment plan is created and approved by creditors or the court, clients must strictly follow it by making timely payments as per the agreed-upon schedule.
3. Maintain Communication: Clients should remain in regular contact with their debt counsellor. If there are changes in their financial situation, such as a loss of income or increased expenses, they must inform the counsellor immediately.
4. Avoid Taking on New Debt: While under debt review, clients are prohibited from taking on new credit until they have completed the process and received a clearance certificate.
5. Attend Court Proceedings (if necessary): Clients may be required to attend court to finalize the debt review process and secure a court order. Cooperation with legal procedures is essential.
6. Stay Committed and Disciplined: Clients need to adopt and maintain responsible financial habits, like budgeting effectively and avoiding unnecessary expenses, to ensure they stay on track.
7. Resolve Queries Promptly: If creditors or the debt counsellor request additional information or documentation, clients should respond quickly to avoid delays.
8. Completion of Payments: Once the repayment plan is fulfilled, clients must confirm with the debt counsellor that all obligations have been settled to receive a clearance certificate.