Most over-indebted consumers assume that they cannot afford the services of a debt counsellor in Durban, since they are already experiencing financial difficulty. The truth is that due to the precarious financial situations of debt counsellor’s clientele, they are limited in the amount they are allowed to charge clients. There is usually a non-refundable application fee of R50.00, with a R300.00 fee if the application is rejected. The restructuring cost amounts to no more than R3,000, with a 5% restructuring fee charged for the first 24 and reduced to 3% thereafter. Consumers are able to claim this money back the necessary paperwork is not filed within 60 working days.