With the world economy in turmoil and international 'trade wars' afoot, that has a direct influence on the South African economy and industrial growth, it has become increasingly difficult for creditors to collect on outstanding debts. The introduction of debt counselors, into the credit recovery arena, have made it increasingly more difficult for creditors to, on a regular monthly basis, receive payments from debtors, due to the nature and structure of the distribution system applied by the debt counseling industry. PRIMAX CONSULTING has taken note of this minuscule problem and is in a position to offer the creditor regular monthly payments whilst, in the same time, educating the defaulting debtor and assisting the debtor in repaying his / her outstanding debt in a shorter space of time, thus rehabilitating him / her and rebuilding his / her credit record through a re-negotiated payment agreement that is mutually beneficial to both the creditor and the debtor.