The debt restructuring system
The debt restructuring system must generate a summary of the affordability assessment (including comments on the restricting of assets and liabilities where relevant) which was conducted by the debt counselor in the determination of the amount which is available for distribution to credit providers. The summary of the affordability assessment must be in the format as per the guidelines. It must include a summary of the consumer’s income and expenditure at the time of applying for debt counseling as well as a summary of the income and expenditure after any reductions agreed between the debt counselor and consumer.
NDRC Practice NoteLast reviewed 2026-04
Annexure C sets the minimum standard every debt counsellor's restructuring system must meet. It is what allows a magistrate, a credit provider and the NCR to read the same proposal and reach the same numbers.
Spreadsheet-based proposals rarely meet the standard. We use accredited restructuring software that produces the prescribed outputs by default, including the full audit trail required by the rules.
Credit providers will reject proposals that do not produce the standard outputs. The fastest way to get a counter-proposal is to submit something that reconciles cleanly to their internal model.
Drawn from NDRC's active case work. For your situation, see our debt counselling overview.
Cite this clause
National Credit Regulator. (2015). Annexure C — Minimum Debt Counselling System Requirements, clause 2.1: The debt restructuring system. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 57.