KZN 2 day workshop on Debt Counselling

NCR help KZN government host workshop on debt counselling

The KwaZulu-Natal government, in partnership with the KwaZulu-Natal Financial Literacy Association (KZNFLA), the National Credit Regulator and the Justice College, have joined forces to assist heavily indebted government employees.

A two-day workshop, on Debt Counselling and Emolument Attachment Orders (commonly known as Garnishee orders), for Employee Wellness Practitioners and Human Resource employees started yesterday. The aim of the workshop has been to capacitate them with the knowledge to assist employees who are faced with indebtedness.

The Employee Health and Wellness Practitioners render support and advice to employees who may be experiencing problems due to indebtedness. The workshop is targeting employees from the 15 provincial departments  and is a response to the high number of indebted government employees, as well as high incidents of fraudulent garnishees.

The Employee Health and Wellness Practitioners and Human Resources employees are receiving training about the Debt Counselling Process and information about Garnishees. This will help them to assist and support indebted colleagues better, as well as protecting them from immoral and unregistered debt collecting attorneys.

Statistically speaking

By April 2011, one out of every seven public servants in KwaZulu-Natal’s provincial departments had a garnishee order against their salary

In September 2012 financial advisory firm, Summit Financial Services estimated that 10-15% of the total workforce of South Africa had some type of garnishee order in place. The average number of garnishee orders per employee is about two, although in some cases is as high as 12.

Motivations for the workshop

KwaZulu-Natal Premier, Dr Zweli Mkhize believes that most debt can be prevented by proper financial planning and advice. “It is essential that government helps our civil servants to get out of their debt trap.

KZNFLA champion, Ina Cronj, MEC for Finance, said “we want to get our employees out of the debt spiral. Those who are not in debt yet must be helped to stay out of debt and to avoid garnishee orders at all cost, and to assist those who are already in debts with the best way of dealing with garnishee orders”.

“Everyone in every income bracket is at risk of falling into a debt trap. However, it has to be addressed. People, who are heavily indebted, are not fully work fit and motivated to be productive. It can affect their health, resulting in stress, a negative state of mind and high absenteeism. If people are in debt, they get easily tempted to do be involved in corrupt practices and this makes our efforts to fight fraud and corruption difficult. Our mission through financial literacy is to ensure that people know how to use money wisely and that they don’t live a life of misery as a result of indebtedness” said MEC Cronj

Mr Melulisi Maluleke, from the National Credit Regulator, said that “we are here to assist government employees to get out of debts, tackling issues of over indebtedness with the government employees, also to assist employees to get out of debt without having to get deeper into debt”.

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FAQs and Answers

1. What was the purpose of the KZN debt counselling workshop?
   The workshop aimed to equip Employee Wellness Practitioners and HR staff with the knowledge to assist government employees struggling with debt and garnishee orders.

2. Who organised the KZN debt counselling workshop?
   The workshop was organised by the KwaZulu-Natal government in partnership with the KZN Financial Literacy Association, the National Credit Regulator, and Justice College.

3. What topics were covered in the debt counselling workshop?
   The workshop focused on the debt counselling process and Emolument Attachment Orders (garnishee orders), with the goal of offering support to indebted employees.

4. Who were the primary participants in the workshop?
   The training targeted Employee Health and Wellness Practitioners and Human Resource employees from 15 provincial departments in KwaZulu-Natal.

5. Why is debt counselling important for government employees?
   Debt counselling helps employees manage over-indebtedness, improves productivity, reduces stress-related absenteeism, and curbs risks of corruption due to financial pressure.

6. What did the National Credit Regulator say about the workshop?
   The NCR highlighted that their goal is to help government employees escape debt without sinking deeper, by promoting responsible financial behaviour.

7. What impact does debt have on employees’ work performance?
   Debt can reduce motivation, increase stress, affect overall health, and lead to high absenteeism, all of which negatively impact job performance and productivity.

8. How can Zero Debt help government employees in debt?
   Zero Debt provides expert debt counselling and consolidation solutions tailored to help over-indebted individuals regain control of their financial well-being.