If consent

If consent has not been obtained, the DC should set the matter down as an opposed matter and the unconditional consents of those Credit Providers, if any, who have accepted the debt re-arrangement proposal should be included in the proposal to the Magistrate.

NDRC Practice NoteLast reviewed 2026-04

What this means in practice

Where any credit provider objects, the matter is set down as opposed. Unconditional consents from the agreeing creditors are annexed to the application so the magistrate can grant the rearrangement against the objecting creditors only.

Where it goes wrong

Bundling all creditors into a single opposed application is the standard tactical mistake. Clean separation of consents and objections shortens the hearing and reduces the risk of a global postponement.

Drawn from NDRC's active case work. For your situation, see our debt counselling overview.

Cite this clause

National Credit Regulator. (2015). Annexure A — Debt Review Process & Conduct Provisions, clause 2.5.3: If consent. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 20.