Debt Counselling  -  is a formal legal process that provides for a customer to be declared over indebted and allow a debt counsellor to negotiate a restructured payment plan and obtain a court order confirming the payment plan

Credit Counselling - is a process whereby a credit counsellor assists a customer to avoid being over indebted by providing financial literacy services, credit coaching and help a customer understand all  of the process available to them; and refer them where a customer needs a formal legal process/representation 

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