DEBTOR ADVISOR: any person who assists a consumer who is unable to make payments to his credit providers, for example.B. to negotiate and reorganize his payments to credit providers. A debtor advisor also assists with a request for advice to debtors and must have the necessary training, experience, etc., to register with the National Credit Regulator as a debtor advisor. The NCA`s ruthless credit rules are dealt with in Chapter 3 – Part D and apply only to consumers who are not legal persons. In certain circumstances, consumers may terminate contracts (in writing and duly provided) within five working days of signing. This right of withdrawal only applies to rental and payment contracts concluded in a place other than the registered premises of the credit provider. .