Emma Davis is a debt counselling specialist and consumer rights advocate based in Pretoria, with extensive experience helping South Africans navigate debt challenges and credit repair. Growing up in Soweto, Emma understands the unique financial pressures facing South African families. She's a registered debt counsellor with the National Credit Regulator (NCR) and holds qualifications in Consumer Law from UNISA. Emma has helped over 2,000 families restructure their debt and improve their credit scores. She's particularly passionate about educating consumers about their rights under the National Credit Act and regularly conducts workshops in townships and rural communities across Gauteng.