Many banks and credit companies offer debt consolidation services
(http://www.creditsalvage.co.za/services.html). A good debt consolidation service will help you save hundreds if not thousands of Rands a month. Debt consolidation services will help you to avoid being blacklisted if you consolidate in time and help your financial reputation. It is good to sit down and discuss your problems with your chosen debt consolidation service so they can help you with affordable repayments. It is imperative that debt consolidation services offer a competitive rate of interest on repayments and so that customers can get out of their cycle of debt.