3.1.1
Annexure C
p. 59
The debt restructuring rules
The debt restructuring rules must drive an outcome that results in the consumer rehabilitating his/her over-indebtedness situation within the shortest possible period given the particular circumstances and available debt re-arrangement measures;
NDRC Practice NoteLast reviewed 2026-04
Legal context
These are the consensus rules in Annexure D, expressed as system requirements rather than as concessions, so they can be audited by the NCR.
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 3.1.1: The debt restructuring rules. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 59.Related clauses
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3.1 The task team accordingly proposes that all debt restructuring
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3.1.2 All credit providers
Based on NCR Guideline 001/2015, p. 59. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.