If revised living expenses exceed income then the consumer

If revised living expenses exceed income then the consumer cannot be helped by the Debt Counsellor. Expenditure must be further revised or the Debt Counsellor may reject the application.

NDRC Practice NoteLast reviewed 2026-04

What this means in practice

If reasonable living expenses already exceed income before any debt repayment, the consumer is not a candidate for restructuring under Annexure D. The file should be referred for an alternative remedy (sequestration counsel) rather than a proposal that cannot be funded.

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 8.7: If revised living expenses exceed income then the consumer. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 45.