This paper examines effective strategies to pursue in the initial interview of over-indebted debtor clients to help them receive effective support towards rebuilding their lives. This paper finds that in order to effectively support these clients, several methods are necessary. Firstly, ascertaining the client's principal request and interview conduction with the client's consensus is required so as to promote independent decision-making by the client. Additionally, the encouragement of a positive attitude towards obstacles encountered by the client, as well as the pointing out of client achievements made is also paramount in order to create an action-focused mentality towards overcoming the client's obstacles.
