Establish whether there

Establish whether there is any equity in assets and see whether any assets can be sold to reduce / repay some of the debt.

NDRC Practice NoteLast reviewed 2026-04

What this means in practice

Before settling on a rearrangement, the debt counsellor tests whether any asset can be sold to reduce the debt. Equity in a second property, a third vehicle or a paid-off luxury item must be applied to the debt first.

Legal context

Anchor: NCA s 79(1) — over-indebtedness is assessed against probable means available to satisfy obligations, which includes realisable assets.

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 8.1: Establish whether there. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 45.