As financial stress increases, South Africans are turning to debt counsellors. Unfortunately, this opens them to scams. Bogus debt counsellors are luring vulnerable consumers into debt review by offering them quick solutions. #eNCA #DStv403 #QuestionThinkAct

Manraj Waraich provides important credit council to vulnerable Albertans who find it difficult to manage their finances and are often victims of financial exploitation. Topics covered include:
• How to avoid building unmanageable debt loads due to cell phone contracts, credit cards, pay day loans, etc.
• Managing debts on a low or fixed income
• Budgeting on a low income to ensure necessary bills are paid before luxury spending