The costs that you incur consists of debt counselling fees and legal fees. The debt counselling fees that we charge are regulated by the National Credit Regulator and should be the same regardless of which registered debt counselling company you use. The precise costs will depend on the type of debt that you have and the amount of your monthly repayment. Legal fees are also determined based on the type of debt that you have and the amount of your monthly repayment. Both the debt counselling fees & legal fees are incorporated into your debt restructuring plan which means that you will not need to pay any separate upfront fees in order for your application to be processed. Please refer to your application form for more details on how these fees are calculated.