The facts are that more that 65% of South Africans have unsecured debt. Things like credit cards, clothing accounts, personal loans and over drafts.
More than half of South African’s with debt are over-indebted or behind on payments towards their debts. (can also say defaulted)
Being over-indebted is when you are not able to pay all your debts every month with the income you have. If you are worried every month that you won’t be able to pay all your accounts.
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