Roestoff, Melanie, Franciscus Haupt, Mareesa Erasmus, and Hermie Coetzee. 2017. “The Debt Couselling Process-Closing the Loopholes in the National Credit Act 34 of 2005”. Potchefstroom Electronic Law Journal 12 (4): 246-305. https://doi.org/10.17159/1727-3781/2009/v12i4a2745.