https://ndrc.org.za/debt-counselling/official-guide/ 2026-04-21 monthly 0.9 https://ndrc.org.za/debt-counselling/official-guide/front-matter/ 2026-04-21 monthly 0.85 https://ndrc.org.za/debt-counselling/official-guide/covering-report/ 2026-04-21 monthly 0.85 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/ 2026-04-21 monthly 0.85 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/ 2026-04-21 monthly 0.85 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/ 2026-04-21 monthly 0.85 https://ndrc.org.za/debt-counselling/official-guide/annexure-d/ 2026-04-21 monthly 0.85 https://ndrc.org.za/debt-counselling/official-guide/annexure-e/ 2026-04-21 monthly 0.85 https://ndrc.org.za/debt-counselling/official-guide/front-matter/1-covering-report/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/front-matter/intro/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/1-introduction/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/1-1-the-national-credit-regulator-ncr/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/1-2-terms-of-reference/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/1-3-credit-industry-forum-cif/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/1-4-the-aim-of-the-task-team-agreement-remains/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/2-approach-adopted/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/2-1-a-thorough-technical-analysis/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/2-2-once-this-analysis/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/2-3-once-these-proposals/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/2-4-the-various-stakeholders-made-representations/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/2-5-a-set-of-proposed-enhancements/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/2-6-while-the-task-team/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-key-conclusions/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-main-obstacles-identified/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-1-judicial-system-capacity-constraints/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-1-1-although-the-volume-of-cases-processed/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-1-2-even-though-the-ncr-has-implemented-initiatives/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-1-3-it-is-not-to-the-advantage-of-either-credit/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-1-4-the-problem-of-court-incapacity/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-2-process-weaknesses/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-2-1-the-lack-of-standardisation-of-format-and-content/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-2-2-problems-related-to-the-receipt-and-distribution/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-3-inadequate-operational-compliance/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-3-1-by-debt-counsellors-in-many-instances/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-3-2-by-credit-providers-in-many-instances/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-4-lack-of-co-operation-between-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-4-1-the-absence/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-5-possible-abuse-of-the-process-by-consumers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-5-1-there-are-indications-that-a-growing-number/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/3-1-5-2-this-problem/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/4-conclusion/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/4-1-the-task-team-recommendations/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/4-2-compliance-to-the-task-team-agreement/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/covering-report/4-3-should-the-cif-intervention-not-realise-the-requir/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/1-debt-review-process/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-enhanced-debt-review-process-rules/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-1-form-17/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-2-credit-provider-information-stage/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-2-1-within-5-business-days-of-receiving-form/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-affordability-assessment/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-1-dc-should-conduct-an-assessment-in-accordance/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-2-if-no-cob/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-3-if-a-cob/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-4-if-the-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-5-if-the-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-6-the-debt-re-arrangement-proposal/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-7-dc-should-follow-up-on-all-unpaid/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-8-dc-should/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-9-the-premiums-for-such-insurance-as-well-as-other/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-10-on-receipt-of-all-the-credit-provider-responses/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-3-11-within-10-business-days-of-receiving/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-4-termination-of-debt-review/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-4-1-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-4-2-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-4-3-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-5-legal-contestation/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-5-1-upon-receipt-of-the-credit-providers-replies/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-5-2-if-consent/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-5-3-if-consent/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-5-4-dc-should-notify-all-the-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-5-5-dc-should-limit-the-number-of-matters/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/2-5-6-the-credit-provider/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-conduct-provisions/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-1-the-task-team/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-1-1-with-the-parties-identified-a-number-of-areas/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-2-with-a-view-to-improving/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-2-1-upon-the-effectiveness-and-credibility/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-3-suggested-conduct-of-debt-counselors/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-3-1-debt-counsellors/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-3-2-debt-counsellors/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-3-3-debt-counsellors/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-3-4-debt-counsellors/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-3-5-debt-counsellors/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-3-6-debt-counsellors/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-4-suggested-conduct-by-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-4-1-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-4-2-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-4-3-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-4-4-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-4-5-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-4-6-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-4-8-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-5-suggested-conduct-by-payment-distribution/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-5-1-pdas-should-ensure-that-they-verify/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-5-2-pdas-should-ensure-that-they-capture/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-5-3-pdas-should-ensure-that-all-the-parties/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-5-4-pdas-should-submit-monthly-statements-to-consumers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/3-5-5-pdas-should-ensure-that-payments-are-made/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-a/4-compliance-reporting-and-enforcement/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/1-1-the-purpose-of-the-affordability-assessment/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/1-2-when-the-determination-in-terms-of-section/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/1-3-this-assessment-of-the-consumers-financial-positio/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/1-4-it-is-therefore-essential-that-the-affordability/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/1-5-before-a-repayment-proposal-can-be-completed/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/2-1-elegibility-to-apply-for-debt-counselling/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/2-2-marital-status/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/2-3-to-ensure-that-not-all-debt/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/2-4-temporary-loss-of-income/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-determination-of-gross-income/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-1-the-debt-counsellor/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-1-1-if-the-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-1-2-if-the-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-1-3-in-some-cases-consumers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-1-4-in-some-cases-consumers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-1-5-should-the-proceeds-be-less-than-the-settlement/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-1-6-in-the-case-of-a-second-home-investment-properties/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-1-7-vehicles-not-used-by-the-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-1-8-in-the-case-where-the-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-2-short-term-insurance-on-assets-financed/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-3-joint-bonds-where-the-consumer-who-applies/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/3-4-reckless-lending/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/4-determination-of-nett-income/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/4-1-on-making-an-effective-assessment/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/4-2-the-consumers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/4-3-gross-pay/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/4-4-deductions-for-irregular-income/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/4-5-statutory-deductions-or-compulsory-deductions/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/4-6-employer-deductions/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/4-7-use-the-following-guidelines-in-respect-of-other/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/5-determination-of-reasonable-living-expenses/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/5-1-the-purpose-of-setting-minimum-criteria/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/5-2-the-proposed-guidelines-in-the-table-below/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/5-3-spending-guidelines/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/6-determination-of-available-income/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-essential-expenses/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-1-rental-where-no-bond/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-2-debt-counsellors-could-ask-the-following-questions/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-3-groceries-food-toiletries-cleaning-materials-groce/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-4-water-lights-if-not-part-of-rental/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-5-rates-taxes-if-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-6-body-corporate-levies/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-7-domestic-workers-depending-on-circumstances/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-8-education/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-9-consumers-may-apply-for-subsidised-school/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-10-existing-tertiary-education/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-11-transport-public-transport-andor-reasonable-runnin/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-12-telkom-phone-or-cellular-phones-or-internet-access/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-13-multiple-cellular-phones/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-14-encourage-consumer-to-set-limits-on-cellular-phone/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-15-maintenance-that-should-be-paid/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-16-utilities-but-encourage-the-consumer-to-reduce/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-17-clothing-and-shoes-within-reason-higher-amount/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-18-chronic-medication-obtain-proof-that-not-covered/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-19-support-of-relatives-with-valid-reasons/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-20-financial-services-debt-counsellors/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-21-medical-aid-the-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-22-life-assurance/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-23-credit-life-money-that-a-consumer-pays-to-an-insur/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-24-insurance-money-paid-to-an-insurance-company/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-1-25-anything-else-that-can-be-regarded-as-essential/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-non-essential-expenses/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-1-domestic-workers-unless/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-2-garden-services/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-3-alcoholic-beverages/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-4-tobaccocigarettes/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-5-entertainment/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-6-dstv-or-mnet-consider-downscaling-at-the-end/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-7-recreation-club-memberships/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-8-childrens-pocket-money/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-9-tithes-donations/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-10-cosmetic-services-beautician-pampering-sessions/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-2-11-some-allowance/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-3-luxurious-items/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-3-1-multiple-properties/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-3-2-if-a-property/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-3-3-boat-jet-ski-sun-bed-and-other-toy-items/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-3-4-luxury-vehicles-used-as-the-only-means-of-transpor/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-3-5-luxury-vehicles-not-used-by-the-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-3-6-holiday-clubs/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/7-3-7-gambling/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/8-restructuring-proposal/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/8-1-establish-whether-there/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/8-2-any-available-cash-resources-bonuses-or-thirteenth/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/8-3-consider-to-downsize-from-an-expensive-luxurious/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/8-4-if-a-fixed-property-house/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/8-5-consider-whether-the-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/8-6-ensure-that-all-expenditure/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/8-7-if-revised-living-expenses-exceed-income/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/8-8-if-the-consumers-revised-living-expenses/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/9-broad-guideline-forspending-patterns/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/10-annual-review/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/11-recognising-and-dealing-with-addictive-behaviours/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/12-conclusion-consumers-are-over-indebted-if-too/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/13-annexure-b1-affordability-assessment-process-steps/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-annexure-b2-affordability-assessment-check-list/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-1-affordability-assessment/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-2-interview-with-consumer/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-3-verify-consumer-details/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-4-verify-debt/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-5-verify-income/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-6-check-for-reckless-lending/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-7-review-asset-statement/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-8-revise-budget/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-9-verify-short-term-insurance-required-by-debt-agree/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/14-10-affordability-amount/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/16-1-check-that-the-rates-applicable-to-the-debt/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/16-2-note-that-contracts-entered-into-before-june/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/16-3-the-possible-reckless-debt-indicator-needs/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/16-4-where-the-monthly-debt-repayments-exceed-the-maxim/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/16-5-reckless-lending-indicator/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-b/16-6-when-the-reckless-debt-indicator/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/1-introduction-2/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-1-the-debt-restructuring-system/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-2-the-system/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-2-1-a-summarized-debt-re-arrangement-proposal-which/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-2-2-a-full-amortization-schedule-for-each-debt-include/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-3-the-system/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-4-the-system-audit/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-the-system/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-1-the-basis-of-allocating-the-amount-available/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-2-the-basis-on-which-the-repayment-obligations/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-3-the-basis-on-which-credit-agreements/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-4-the-basis-for-extending-the-repayment-period/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-5-the-extent-to-which-interest-rate/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-6-the-basis-for-the-allocation-of-the-surplus/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-7-whether-payment-escalations/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-8-the-debt-restructuring-system/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-9-the-debt-restructuring-system/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-10-the-debt-restructuring-software/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/2-5-11-every-system/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/3-parameters-for-debt-restructuring-rule-solutions/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/3-1-the-task-team-accordingly-proposes/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/3-1-1-the-debt-restructuring-rules/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/3-1-2-all-credit-providers/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-c/4-1-cif-should-establish-a-sub-committee-which-should/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-d/d-1-introduction/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-d/2-eligibility-conditions/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-d/3-conceptual-rules-framework/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-d/4-finance-charge-reduction-concessions/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-d/5-repayment-term-extension-limits/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-d/6-deployment/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-e/e-1-form-cob/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-e/e-2-form-17-1/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-e/e-3-form-17-2/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-e/e-4-form-17-3/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-e/e-5-standard-output-summary/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-e/e-6-letter-of-acceptance/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-e/e-7-letter-of-decline/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-e/e-8-glossary-of-terms/ 2026-04-21 monthly 0.7 https://ndrc.org.za/debt-counselling/official-guide/annexure-e/e-9-standard-documentation-overview/ 2026-04-21 monthly 0.7