3.1
Annexure B
p. 31
The Debt Counsellor
This clause is a parent heading. Its detail is set out across the 8 sub-clauses below:
3.1.1
If the consumer
3.1.2
If the consumer
3.1.3
In some cases consumers
3.1.4
In some cases consumers
3.1.5
Should the proceeds be less than the settlement amount
3.1.6
In the case of a second home, investment properties or holiday
3.1.7
Vehicles not used by the consumer or his or her dependants (i
3.1.8
In the case where the consumer
NDRC Practice NoteLast reviewed 2026-04
Legal context
Methodology aligns with NCA s 78(3) (definition of consumer's income for s 79 purposes) and the affordability assessment regulations under Regulation 23A.
Drawn from NDRC's active case work. For your situation, see our debt counselling overview.
Cite this clause
National Credit Regulator. (2015). Annexure B — Debt Review Assessment Guidelines, clause 3.1: The Debt Counsellor. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 31.Related clauses
Based on NCR Guideline 001/2015, p. 31. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.