Johannesburg - Falling into the debt trap is quite easy so consumers should be proactive and weigh their options, says DCM group marketing director Anjela da Silva.
She cautioned against taking out extra loans or simply ignoring the problem.
"This is something that you really should not do. Bear in mind that you are not alone."
Da Silva said that there are more than 9 million South Africans who are in arrears with their accounts.
She said the tough economic climate, coupled with modern lifestyles or even experiencing death or divorce can lead people into the debt trap.
Listen to what options are available for consumers: