Each EFFRS Client’s solution is tailored to their current Debt situation, linked to the reason for Delinquency, Employment Status, therefore Repayment ability, commitment, Emotional Intelligence Levels and state of mind, as they are normally saturated with Fear, Anxiety, Depression, Retreating from Relationships, Demotivated and willing to give up, after unsuccessfully trying to resolve their Debt-Crisis. So, our Debt Remedial Services, includes Debt and Credit Counseling to prepare them for their Debt Recovery Journey, means we render a full circle ‘Turnkey Solution’, linked to stabilizing their state of mind.