I recently wrote a Rants and Cents column, on the matter stating that the process is not the be-all and end-all of becoming free of debt, as a matter of fact, it is an expensive exercise and there are a lot of chance-takers out there. I was even threatened with legal action by some of them after I reported some of their misleading and paid-for advertising on Facebook. But Wikus Olivier, the MD of CreditSmart gave me a call on the matter stating that it would very very educational if you could have a conversation on why Debt Counseling is not quick-fix and help consumers understand the process before they 'get in' into it. He also said that organisations need to start taking responsibility to avoid placing people needlessly under Debt Counseling - and agreed with him.