Are debt councilors a solution ?

In the Beeld this morning there is an article on the debt situation of normal South Africans. An eleven percent increase from last year (debt summonses)  What is to be done. Where will South Africans get help ?

What do you do when you cannot pay your debt anymore ?

I will discuss a few options and give my opinion on that solution by giving the solution a 1 to 10 point (one being totally useless and 10 being the absolute answer ):

1. See a debt councilor.  4/10  Why four out of 10 ?  Well the problem here is that most of them are not properly trained, does not have the right background and (in my opinion) is only in it for the money. Yes - They make money out of your misery !
2. See your financial advisor . 4/10  He will in all probability not be interested in helping you do a budget
 as he is not going to make money out of you.  If you have a financial advisor of stature and he is willing to help (and capable) you can always offer him a fee for this service.
3.  Do a budget and speak to your creditors yourself   6/10  By now they might not want to speak to you but if you are truthfull and show them exactly your budget and proof of everything they will in all probability speak to you. They know that if they do not you will see a debt councilor (in all probability) and that is the last thing most creditors want. 
4.  Make a loan from the bank 1/10.   Banks are not there to help people in trouble.
5. Get advise from a bank  1/10   Sorry but this is not an option - Client service staff are just not capable to
    give advice of this sort.
6.  Opt for insolvency : 7/10   (if you have assets) This is a permanent solution to debt if it can be done.
    You lose everything including all debt and you have to start from scratch.

    This is only my personal opinion and general information and not intended as financial advice - I will give
    anyone personal advice if you see me eye to eye.