Life is simply more expensive in Johannesburg, and many consumers live in a state of constant indebtedness. In fact, Gauteng has the highest debt and more debt counselling companies than any other city in South Africa. The keys to success for debt counselling companied in Johannesburg has been the strict evaluation and certification processes they require and have been subject to, respectively. By ensuring that consumers actually qualify for debt counselling, companies are able to see that consumers can honour their agreements and slowly rebuild their finances. These companies have found much success by being effective mediators between demanding creditors and stressed debtors, ensuring that the agreement between them is honoured, legally and timeously.