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CZA South Africa

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SettleADebt C_ZA PASS-17 — South Africa

Natural-person voluntary surrender of an estate: national statutory gateway

Focused component: The voluntary-surrender portion of reviewed P05 D09 only.

Fresh research access: 26 October 2026 PDT; 27 October 2026 UTC and SAST. Exact source-opening clock times were not logged and are unknown.

Provenance: Regular Chat with public-source browsing. No model-power, Pro-tier, quota-reset, measured-ranking or independent-review claim is made. P06, P10, P13, P15 and P16 remain unreviewed and are not adopted as premises. P11’s scoped review supplies no insolvency premise.

Disposition: The core voluntary-surrender provisions and immediate consequences were read in the official Insolvency Act compilation and relevant amending Acts. This establishes a substantive national gateway. Important gaps remain: the complete current High Court procedural package, the current §149 jurisdiction text, the operative Master-report requirement, applicable local directives, and a fully opened controlling judgment on the identified constitutional/employee-notice issue. Those gaps prevent treating this as a filing-ready or fully current country-level statement.

G1. Statutory gateway, applicant, court and financial requirements

G1.1 What voluntary surrender is

Under Insolvency Act 24 of 1936 §3(1), an insolvent debtor or authorised agent may petition the court to accept surrender of the debtor’s estate for the benefit of creditors. The section also permits an application by a person entrusted with administering the estate of a deceased debtor or a debtor incapable of managing their own affairs. Partnership surrender has a separate statutory branch and is outside this pass.

The court does not merely approve a debtor’s preference to stop paying. Section 6(1) requires it to be satisfied about statutory procedure, insolvency, sufficient realisable property to cover the relevant costs from the free residue, and advantage to creditors. Even then, the provision says the court may accept surrender and make a sequestration order. C_ZA-P17-C002–C008.

Primary text: https://www.justice.gov.za/legislation/acts/1936-024.pdf, §§3–6, zero-based PDF P3–P5, internal printed pages 4–6. Justice+2

G1.2 Scope of “debtor” and “insolvent estate”

The Act’s definition of a debtor covers a person, partnership or estate capable of sequestration but excludes a body corporate, company or association capable of liquidation under the relevant company law. An “insolvent estate” is an estate under sequestration.

This pass addresses a living natural person’s estate. It does not transfer the surrender mechanism to companies, business-rescue proceedings or ordinary contractual payment plans. C002. Justice+1

Deceased-estate boundary

Section 3(1) supplies standing to the person entrusted with administering a deceased insolvent debtor’s estate. That does not establish that every insolvent deceased estate should be brought to sequestration. The Administration of Estates Act supplies a separate insolvent-estate administration route, but its material body could not be opened here. The deceased-estate branch therefore remains limited to the §3 standing point; no full executor, estate-distribution or sequestration-choice conclusion is made. C003, C051.

G1.3 Joint estate of spouses married in community of property

Matrimonial Property Act 88 of 1984 §17(4)(a) requires an application for surrender of a joint estate to be made by both spouses. A spouse cannot assume that the joint estate is treated as their separate estate merely because the debts were incurred in their name.

Separate estates and the potential effect of Insolvency Act §21 on a solvent spouse’s property are different questions. C004, C037.

Primary text: https://www.justice.gov.za/legislation/acts/1984-088.pdf, §17(4)(a), zero PDF P4; printed page label not independently verified. Justice

G1.4 Competent court and territorial nexus

The Insolvency Act’s definition of “Court” points to the superior-court jurisdiction governed by §§149 and 151. The ordinary voluntary-surrender application is therefore a High Court matter, not the Magistrates’ Court administration-order process researched separately in P16.

The official judicial training paper examined here describes §149’s connecting factors as domicile or property at the filing date, or ordinary residence or business during the preceding 12 months. However, the actual §149 page in the official compilation did not render. The complete current wording, provisos, transfer/convenience qualifications and application to a particular division are therefore not certified in P17. C005.

The training paper is educational commentary, not a judgment or substitute for the operative jurisdiction provision: https://www.supremecourtofappeal.org.za/index.php/speeches-and-conferences/category/14-conference-papers?download=107%3Ainsolvency-law, zero P2/internal page 3. Supreme Court of Appeal

G1.5 Actual insolvency, not cash-flow difficulty alone

Section 6 requires the estate to be insolvent. On the sources read, this is actual or balance-sheet insolvency: liabilities exceed the legally relevant value of assets. Temporary inability to pay a bill does not necessarily establish that test.

A debtor whose assets exceed liabilities but who lacks ready cash may be in financial distress without satisfying the voluntary-surrender insolvency predicate. Conversely, estimated values cannot be accepted at face value merely because a schedule is signed. C006, C010. Justice+1

G1.6 Sufficient property to cover sequestration costs

Section 6(1) separately requires realisable property of sufficient value to defray all costs of sequestration payable out of the free residue.

“Free residue” excludes the portion of the estate subject to a preference arising from a special mortgage, legal hypothec, pledge or right of retention. Gross property value is therefore not automatically available to meet ordinary sequestration costs or unsecured creditors. C007, C009. Justice+1

A debtor can be insolvent yet fail this cost-assets requirement. A future salary estimate is not automatically a substitute for proof of realisable property and an adequately evidenced benefit to creditors.

G1.7 Advantage to creditors and discretion

The court must be satisfied that sequestration will be to the advantage of creditors. The voluntary-surrender wording must not be replaced by the differently framed tests applicable to provisional or compulsory sequestration.

A positive arithmetic remainder is evidence relevant to the inquiry, not the judicial conclusion itself. The court must assess the actual estate, realisable values, costs, creditor claims and practical distribution prospects. No fixed national minimum dividend percentage was established in §6 or any final instrument read in this pass. C008, C011–C012. Justice

The judicial training paper discusses differing decisions and local approaches to small dividends and valuations. P17 does not convert a figure mentioned in that paper into a national statutory minimum, current tariff or universally binding acceptance test. Nor is the paper treated as a controlling judgment. C055.

G1.8 Valuation and evidence

Under §4(4), the Master may require valuation of property by a sworn appraiser or another person designated by the Master. The statement of affairs must supply the statutory financial particulars and be verified by affidavit.

Evidence must distinguish:

  • estimated market value from likely realisation proceeds;
  • encumbered value from free residue;
  • realisation costs from general administration costs;
  • secured claims from concurrent or preferential claims;
  • existing assets from hoped-for future recoveries; and
  • actual obligations from disputed or contingent claims.

The detailed model below is an analytical illustration of these distinctions, not a prescribed court form or valuation standard. C009–C012, C019. Justice

G2. Publication, notice, statement, inspection, hearing and failure

G2.1 Gazette and newspaper publication

Section 4(1) requires a notice substantially in First Schedule Form A:

  • in the Government Gazette; and
  • in a newspaper circulating in the district where the debtor resides, or, for a trader, where the principal place of business is situated.

Publication must be not more than 30 days and not less than 14 days before the date identified for applying to court. C013–C014.

Primary text: https://www.justice.gov.za/legislation/acts/1936-024.pdf, §4(1), zero P3/internal page 4; First Schedule Form A, zero P76/internal page 77. Justice+1

The statute uses “days,” not “business days,” in this provision. The general time-computation statute and current local court calendar were not fully read, so P17 does not state an actual last publication date or assume holiday extensions.

G2.2 Notice to creditors

Within seven days from Gazette publication, the debtor must deliver or post a copy of the notice to every creditor whose address is known or can be ascertained. This is not restricted to the creditors the debtor expects to vote favourably.

The current §4(2) wording was substituted by Insolvency Second Amendment Act 69 of 2002, effective 1 January 2003. C015.

Primary amendment: https://www.gov.za/sites/default/files/gcis_document/201409/a69-020.pdf, §1 substituting §4(2), zero P1/printed Gazette page 2; §10 commencement at zero P4/printed Gazette page 8. South African Government+1

G2.3 Employees and registered trade unions

Within the same seven-day period, §4(2)(b) requires a copy to be posted to every registered trade union that, to the debtor’s knowledge, represents employees.

Employees must receive notice through the statutory workplace-display sequence:

  1. a noticeboard accessible to employees inside the debtor’s premises;
  2. if employees do not have access inside, a place at the front gate where they congregate; or
  3. failing that, the front door of the premises from which the debtor conducted business immediately before surrender.

C016–C017. South African Government

The exact constitutional treatment of employee categories and the effect of inadequate notice remain a judicial-authority gap in this pass. No domestic-worker exclusion is inferred from the business-premises wording. The identified Constitutional Court final judgment was not successfully obtained, so no majority ratio is claimed.

G2.4 SARS notice

Section 4(2)(b) also requires a copy to be posted to the South African Revenue Service within seven days after Gazette publication. This is a notice requirement, not a tax clearance, tax discharge or confirmation that a tax liability is included in the unsecured dividend calculation. C018. South African Government

G2.5 Statement of affairs

Section 4(3) requires the debtor to lodge a statement of affairs in duplicate with the Master, substantially in First Schedule Form B, containing the prescribed particulars and verified by affidavit.

The statutory Form B is evidence of the required financial disclosure structure. The version printed in the old compilation contains historical currency/layout features and is not presented as a modern completed filing template. C019. Justice+1

G2.6 Local copy and inspection

Section 4(5) provides for a further copy at the local magistrate’s office in specified circumstances where the debtor resides or trades in a district without a Master’s office. The text contains historical district exceptions. P17 does not silently erase those exceptions or declare a universal modern local-filing rule.

Section 4(6) requires the statement to lie open for creditors’ inspection during office hours for 14 days from the date stated in the notice. C020–C021. Justice

The inspection period, the 14–30-day publication window and the seven-day creditor/employee/SARS notice period have different triggers. They are not one common clock.

G2.7 Master’s report and court documents

Section 3(3) allows the court to examine the petitioner or another person concerning the petition. Sections 4 and 6 supply the statutory disclosure and satisfaction requirements.

The current Uniform Rules PDF could not be opened. P17 therefore does not certify the precise current rule governing:

  • furnishing the court application to the Master;
  • the Master’s report;
  • report-filing time;
  • affidavits and annexures;
  • proof of delivery;
  • the opposition timetable; or
  • a particular division’s filing pack.

Those are material unresolved procedural requirements, not optional omissions. C022–C023.

G2.8 Creditor participation and opposition

Publication and inspection provide creditors an opportunity to assess the application. Creditor opposition can challenge:

  • actual insolvency;
  • valuation;
  • available free residue;
  • cost estimates;
  • omitted assets or liabilities;
  • notice compliance; or
  • asserted creditor advantage.

Section 6 does not make every creditor’s consent a prerequisite. Equally, absence of opposition does not relieve the court of its statutory satisfaction requirements. The exact opposition mechanics remain governed by the unread current court rules and local practice. C024. Justice

G2.9 Defective notice is not automatically harmless

Section 157(1) prevents a formal defect or irregularity from invalidating an act unless it causes substantial injustice that the court cannot remedy. It does not establish that every premature publication, missed employee notice or incomplete statement is a curable formality.

Whether the defect is formal, whether injustice occurred and whether it is remediable remain judicial questions. P17 did not obtain the full controlling judgment chain resolving the identified notice scenarios. C025. Justice

G2.10 Limited effect of publication before an order

Publication of the surrender notice restricts the sale of estate property already attached under a writ or similar process, subject to the statutory knowledge and authorised-sale qualifications. It is not a universal suspension of every lawsuit, demand, interest charge or collection communication.

Section 5 also permits the Master to appoint a curator bonis to take possession and control pending the court outcome and the Master’s directions. C026–C027. Justice

The old compilation’s monetary division between Master- and court-authorised sales was not independently brought current. No present rand threshold for that exception is published here.

G2.11 Withdrawal of the published notice

After publication, the debtor cannot simply withdraw the notice privately.

Section 7 requires:

  • the Master’s written consent;
  • the statutory good-faith and good-cause conditions; and
  • publication of the withdrawal and consent in the Gazette and the same newspaper.

Only then is the notice treated as withdrawn in the prescribed way. C028. Justice

G2.12 Refusal, lapse and costs

Under §6(2), the notice lapses if:

  • the court does not accept the surrender;
  • the notice is properly withdrawn; or
  • the application is not made within 14 days after the date advertised for it.

Where a curator bonis has taken possession, restoration of the property is subject to provision for the relevant costs to the Master’s satisfaction. C029. Justice

Section 8(f) separately identifies failures involving the published notice, statement or advertised application date as possible acts of insolvency. The 14-day lapse rule is therefore not a licence to disregard the advertised hearing date. P17 identifies that adverse boundary but does not research a creditor’s subsequent compulsory-sequestration application. C030. Justice

No current legal-fee, publication, valuation or trustee-cost tariff was verified. A failed application is not represented as cost-free or as producing an automatic refund; exact adverse-cost liability requires the court rules, any order and the actual retainer. C031.

G3. Immediate order consequences and limited rehabilitation boundary

G3.1 Vesting and control

A sequestration order divests the insolvent of the estate. It initially vests in the Master, and then in the trustee when appointed. The estate includes property at sequestration, including attached property or proceeds still subject to the statutory rule, and certain property acquired during sequestration, subject to §23 exceptions. C032, C036.

Primary text: https://www.justice.gov.za/legislation/acts/1936-024.pdf, §§20–23, zero P12–P16/internal pages 13–17. Justice+3

This is statutory estate control, not permission for an ordinary debt adviser to take ownership or beneficial use of the debtor’s assets.

G3.2 Provisional trustee, later appointment and security

Section 18 permits the Master to appoint a provisional trustee after sequestration, subject to the required security and the Master’s directions. The Act also provides for creditor participation in trustee election and the Master’s confirmation/appointment process.

The precise current wording of every permanent-trustee appointment, certificate and security requirement was not fully recovered: one relevant page failed. P17 therefore does not give an actual appointee, security amount, bank account title or final professional-permission conclusion. C033, C043. Justice+1

G3.3 Court appointment is not an NCR credential

A provisional trustee or trustee acts under the Insolvency Act and the Master/court appointment structure. NCR debt-counsellor status, PDA registration, debt-collector registration or an ordinary attorney retainer does not substitute for that appointment. Nor does insolvency appointment automatically confer every unrelated financial or professional permission. C034.

G3.4 Proceedings and execution

Section 20 has broader consequences than the pre-order notice:

  • civil proceedings by or against the insolvent are generally stayed until a trustee is appointed, subject to the statutory exceptions;
  • the sheriff, once aware of sequestration, must stay execution unless the court otherwise directs; and
  • the trustee and creditors must then use the applicable insolvency procedures.

This is not a statement that every proceeding ends permanently or that every secured creditor loses its rights. C035. Justice+1

G3.5 Solvent spouse’s separate property

Section 21 can temporarily vest the solvent spouse’s property in the Master/trustee as part of the statutory investigation and release mechanism. The trustee must release property when the statutory entitlement predicates are proved.

The provision is distinct from a joint estate in community of property. P17 does not determine the ownership of any spouse’s asset, the validity of an antenuptial contract or the complete release procedure. C037. Justice+1

G3.6 Secured rights are not automatically cancelled

A mortgage, pledge, legal hypothec or retention right does not disappear merely because the estate is surrendered. Section 47, for example, preserves specified retention/hypothec rights where property is delivered to the trustee with the required notice and proof.

The realisation, secured-cost allocation, deficiency and security-release rules are more detailed than this gateway. They remain deferred, particularly because later financial-sector legislation amended portions of the secured-asset regime. C038, C050. Justice+1

G3.7 Employment, earnings and necessities

Section 23 permits an insolvent to follow a profession, occupation or employment, with specified restrictions on certain trading activities and requirements for trustee consent. It also imposes recordkeeping and assistance obligations.

Under §23(5), the trustee may recover the portion of post-sequestration earnings that the Master considers unnecessary for the support of the insolvent and dependants. This is neither automatic confiscation of all wages nor an entitlement to retain all future earnings. C039. Justice

Section 23 separately protects certain benefits and recoveries, subject to its exact wording. P17 does not supply a comprehensive exempt-property or income schedule. C040. Justice

Before the second creditors’ meeting, §79 permits the trustee, with the Master’s consent, to make a support allowance from the estate for the insolvent and dependants. It is a controlled power, not a fixed household allowance or minimum guaranteed salary. C041. Justice

G3.8 Creditors must prove claims

Listing a creditor in the statement of affairs is not automatically the same as an admitted claim for distribution. Section 44 provides the claim-proof process, including affidavits and the information required for secured claims. Creditor meetings and the proof/admission process remain subject to the Act and current directions. C042. Justice

G3.9 Earlier dispositions may be scrutinised

Sections 26, 29, 30 and 31 provide distinct grounds concerning dispositions without value, voidable preferences, undue preferences and collusive dealings. They require their own facts, timing, insolvency and statutory predicates.

Surrender does not automatically reverse every earlier transaction. Equally, an applicant cannot assume that a recent transfer, preference or asset disposal will be ignored. No avoidance claim, limitation calculation or asset-protection strategy is given here. C044. Justice+1

G3.10 No immediate discharge

The sequestration order is not itself an immediate discharge of debts. Rehabilitation is a separate legal event with separate routes and conditions. C045.

Section 127A contains a deemed-rehabilitation rule after ten years from sequestration, unless the court orders otherwise on an interested person’s timely application with notice. That is a boundary statement only, not a complete rehabilitation guide or prediction of an individual date. C046. Justice

Section 129 provides that rehabilitation generally terminates sequestration, discharges debts due before sequestration or arising from an earlier cause, except debt arising out of the insolvent’s fraud, and removes specified disabilities, subject to the section and conditions of the order. C047. Justice

The portions read also preserve, among other things, certain composition rights, trustee/Master duties concerning the estate, property already vested and not yet distributed, and a surety’s liability. The continuation of §129 was not completely read, so this is not an exhaustive discharge-exception list. C048. Justice

G3.11 Review of Master decisions

Section 151 supplies a court-review gateway for a person aggrieved by a Master’s decision, subject to notice and the statutory procedure. Section 151bis addresses costs in that context. P17 does not certify the full current High Court appeal/review timetable, standing for every decision or an actual costs outcome. C049. Justice

G4. Conditional calculations

All costs, values and claims below are stipulated hypothetical inputs—not legal tariffs, appraisals, admitted claims or court-approved amounts. No fixed minimum dividend is inferred.

Calculation A — unencumbered assets and a possible concurrent dividend

Assume:

  • all assets are realisable and unencumbered: R160,000;
  • all pre-existing liabilities are concurrent claims: R300,000;
  • sequestration/administration costs payable from free residue: R40,000;
  • those costs are not already included in the R300,000 creditor total;
  • no preferential claims or other deductions apply.

Balance-sheet comparison

R300,000 liabilities − R160,000 assets = R140,000 shortfall

Distribution model

R160,000 free residue − R40,000 costs = R120,000 distributable

R120,000 ÷ R300,000 × 100 = 40%

The model produces 40 cents per rand before any unmodelled change. It does not prove statutory advantage, acceptable valuation, admissible claims or that the court will accept surrender. C006–C012, C056.

Calculation B — encumbered property and a downside scenario

Assume:

  • property realisation: R600,000;
  • property-specific sale costs: R40,000;
  • secured amount: R520,000;
  • other unencumbered realisable assets: R20,000;
  • separate free-residue administration costs: R50,000;
  • concurrent claims: R250,000;
  • no preferential claims;
  • the R40,000 sale costs and R50,000 administration costs are distinct and not double-counted.

Base case

R600,000 − R40,000 = R560,000 net property proceeds

R560,000 − R520,000 secured claim = R40,000 surplus

R40,000 + R20,000 = R60,000 free residue

R60,000 − R50,000 = R10,000 concurrent distribution

R10,000 ÷ R250,000 × 100 = 4%

Downside: property realises only R550,000

R550,000 − R40,000 = R510,000 net property proceeds

R520,000 − R510,000 = R10,000 secured shortfall

Assuming solely for the model that the shortfall is an admissible concurrent claim:

R250,000 + R10,000 = R260,000 concurrent claims

No surplus comes from the property. Free residue is only R20,000:

R20,000 − R50,000 = −R30,000 cost shortfall

There is no positive dividend pool on those assumptions. The model fails the cost-coverage premise, quite apart from creditor advantage. It does not decide the actual security priority or treatment of a real deficiency. C007–C012, C038, C056.

Calculation C — positive but minimal estimated dividend

Assume:

  • unencumbered realisable assets: R90,000;
  • free-residue costs: R80,000;
  • concurrent claims: R1,000,000;
  • no other priorities or adjustments.

R90,000 − R80,000 = R10,000

R10,000 ÷ R1,000,000 × 100 = 1%

A positive one-cent-per-rand estimate does not compel acceptance. Section 6 still requires the court to be satisfied of advantage to creditors and permits refusal. There is no verified national “1% accepted” or “20% required” rule in this pass. C008, C011–C012, C056.

Calculation D — statutory timetable, kept symbolic

Let:

  • P = the Gazette publication date, with the newspaper also published on that date in this hypothetical;
  • H = advertised application date;
  • I = beginning of the inspection period stated in the notice.

The statutory requirements are:

  • publication no more than 30 and no less than 14 days before H;
  • creditor, union, employee and SARS notice within seven days from Gazette publication;
  • creditor inspection for 14 days from I.

P17 does not convert these periods to “clear business days,” determine included/excluded endpoints or supply a live hearing date. The current Interpretation Act, Uniform Rules and local calendar application remain unresolved. C014–C021, C053.

G4. Fourteen fictional workflows

No. Fictional facts and actor Required proof, legal route and possible effect Adverse branch / missing facts Claims
1 A natural person’s liabilities exceed assets, but no unencumbered realisable assets are identified. §6 requires sufficient property to cover costs from free residue as well as insolvency and creditor advantage. Insolvency alone is insufficient. Recoverable assets or another lawful funding basis would need substantiation, not speculation. C006–C012
2 A debtor cannot pay this month’s bills, but conservatively valued assets exceed liabilities. Actual insolvency must be established. Cash-flow distress alone does not establish the surrender test. Values and contingent obligations may change the conclusion. C006
3 The principal asset is mortgaged and most sale proceeds would satisfy security and sale costs. Separate gross value, secured debt, sale costs and free-residue surplus. A high property value can coexist with no cost-bearing free residue. Actual bond, costs and valuation required. C007,C009,C038
4 An applicant’s valuation assumes a high sale price without supporting evidence. Statement, affidavit and any required appraiser valuation must support realisability. Master may require valuation; court need not accept optimistic figures. No fixed valuation fee or universal appraisal format is assumed. C010,C019
5 Estimated creditor dividend is 1%. Court must still find advantage and exercise discretion. Positive arithmetic is not legal acceptance; costs or claim changes can eliminate it. C008,C011–C012,C056
6 One spouse seeks to surrender a joint estate in community of property. Both spouses must apply under Matrimonial Property Act §17(4)(a). A separate-estate marriage engages different ownership and potential §21 issues. Actual marital regime required. C004,C037
7 Debtor has irregular commission income but few current assets. Existing realisable property, cost coverage and creditor advantage must be proved; later surplus earnings may be relevant under §23(5). A favourable future-income forecast does not automatically replace the initial cost-assets test. Household necessities and Master’s assessment remain material. C007,C012,C039–C041
8 Gazette notice is published, but the newspaper or statement inspection is defective. Court must assess §4 compliance; §157 is not blanket condonation. Whether defect is formal and remediable is judicial; current controlling notice cases and local rules remain held. C013–C025
9 A creditor opposes on valuation, omitted assets or costs. Court can examine the petitioner and evidence; §6 predicates still apply. Creditor objection is not automatically a veto, but no opposition is not proof of advantage. Actual opposition procedure required. C022–C024
10 Debtor has employees and a tax account. Within seven days from Gazette publication, satisfy creditor/union/employee/SARS notice branches. A personal declaration of “no employees” must be factually correct; constitutional employee-scope details were not fully verified. C015–C018,C054
11 After publication, debtor changes their mind. §7 written Master consent plus Gazette and same-newspaper withdrawal publication. Private withdrawal is insufficient; lapse and act-of-insolvency consequences may arise. C028–C030
12 Court accepts surrender; debtor assumes all debts disappear and they can keep directing asset sales. Estate vests in Master then trustee; administration and later rehabilitation are separate. No immediate discharge or freedom to dispose of vested assets follows. C032–C048
13 Executor considers surrender of a deceased insolvent estate. §3 permits the entrusted estate administrator to apply. Separate Administration of Estates Act alternatives, authority and procedures were not read completely. C003,C051
14 Notice is published while an attached asset is scheduled for sale; debtor assumes every legal action has stopped. §5 gives a limited attached-property sale restriction with exceptions; order effects under §20 are separate. No universal pre-order collection stay, interest freeze or debt cancellation is established. C026–C027,C035,C045

G5. Reviewed P05 D09 crosswalk

Prior component Original reviewed position P17 addition Disposition
P05 D09: Statutory insolvency, sequestration, administration orders, business rescue excluded_with_reason — Separate statutory-solution fee/actor study. Natural-person voluntary-surrender gateway, national notice procedure, cost/advantage tests and limited order consequences researched. Partial substantive completion for voluntary surrender only.
Administration orders Separate P16 report, unreviewed No P16 conclusion used. Held separately
Compulsory creditor sequestration Deferred Only necessary boundary and adverse act-of-insolvency risk noted. Deferred
Voluntary surrender of deceased estate Not previously completed §3 standing identified; alternative estate law not completed. Partial boundary only
Business rescue Deferred Not researched. Deferred
Company liquidation Deferred Not researched. Deferred
Full rehabilitation/discharge Deferred §§127A/129 boundary read only. Deferred
P06/P10/P13/P15 and broader country Unreviewed or scoped with holds Not used as accepted premises. Holds unchanged

Source and evidence register — C_ZA-P17-S001 onward

All fresh accesses occurred on 26 October 2026 PDT / 27 October 2026 UTC. Exact opening times are unknown. Internal page numbers below are those of the PDF compilation, not Gazette pages unless explicitly stated.

Source ID Issuer, title and complete literal HTTPS URL Material body actually read / locator Status and limits
C_ZA-P17-S001 Department of Justice, Insolvency Act 24 of 1936, amended 96-page compilation. https://www.justice.gov.za/legislation/acts/1936-024.pdf Header/amendments P0; definitions P1–2; §§3–8 P3–5; §18 P10; §§20–23 P12–16; §§25–31 P17–18; §§39,44 P24,26; §47 P28; appointment portions P31; removal P34; §79 P42; §§127A/129 P65; §151 P73; §157 P75; Form A/Form B start P76. Internal printed page = zero index +1 on inspected pages. Fresh official parsed body and listed page images read. Later section opens and some pages failed. Compilation lists amendments through 2005, not all later amendments. §149, part of §56 and continuation of §129 not fully read.
S002 South African Government, Insolvency Act 24 of 1936 legislative record. https://www.gov.za/documents/insolvency-act-24-jun-1936-0000 HTML commencement and amendment list. Fresh metadata. Commencement 1 July 1936; lists later amendments through Act23/2021. Not operative section text.
S003 Parliament/Presidency, Insolvency Second Amendment Act 69 of 2002, GG24285, GoN121. https://www.gov.za/sites/default/files/gcis_document/201409/a69-020.pdf §1 replacing §4(2), zero P1/GG p2; §10 commencement, zero P4/GG p8. Fresh enacted body; P1 image inspected. Commencement 1 January 2003. Gazette publication 22 January 2003 is not substituted for commencement.
S004 Department of Justice, Matrimonial Property Act 88 of 1984, amended compilation. https://www.justice.gov.za/legislation/acts/1984-088.pdf §17(4)(a), zero P4; printed label unverified. Fresh body and page image read. Both spouses required for joint-estate surrender. No full matrimonial-property review.
S005 Parliament/Presidency, Financial Sector Laws Amendment Act 23 of 2021, GG45825, notice789. https://www.gov.za/sites/default/files/gcis_document/202203/45825gen789.pdf Clauses 1–3, zero P3/GG p4 and adjacent text: §22A and amendments touching §§35A/83. Fresh enacted body and P3 image read. Later financial-sector overlay; not a rewrite of §§3–7. Different commencement provisions must be separated.
S006 Minister of Finance, Commencement of Certain Provisions of Financial Sector Laws Amendment Act, 2021, GN3202, GG48294, 24 March 2023. https://www.gov.za/sites/default/files/gcis_document/202303/48294gon3202.pdf Operative notice, zero P0/GG p80. Fresh body/image read. Section 1 of Act23/2021 commenced 1 June 2023. The notice does not list sections 2–3 among that group; their full commencement chain remains held.
S007 Supreme Court of Appeal, Justice V. Ponnan, Insolvency Law, SAJEI educational paper. https://www.supremecourtofappeal.org.za/index.php/speeches-and-conferences/category/14-conference-papers?download=107%3Ainsolvency-law Jurisdiction summary zero P2/internal p3; voluntary-surrender discussion P24–P31/internal pp25–32; P24 image inspected. Fresh judicial educational commentary, not a judgment. Used to locate unresolved authorities, not as a binding national tariff/dividend test.
S008 SARS, Personal Income Tax: Insolvency. https://www.sars.gov.za/types-of-tax/personal-income-tax/pit-insolvency/ HTML description of actual insolvency, sequestration and deceased-estate distinctions. Fresh official guidance. Tax treatment and full deceased-estate procedure not researched.
S009 Justice, Uniform Rules of Court, official hosted compilation. https://www.justice.gov.za/legislation/rules/Uniform-Rules-of-Court-GG999-GNR48-19650112-SAFLII.pdf No substantive body obtained. Failed current procedural candidate. Timeout. No rule 6 or Master-report deadline is asserted from it.
S010 Chief Master, Directive 1 of 2025, online advertisement/publication material. https://www.justice.gov.za/master/m_docs/2025-01_CHM-directive.pdf No substantive body obtained. Failed candidate. Search metadata cannot prove replacement of §4 Gazette/newspaper publication.
S011 Chief Master, Directives index. https://www.justice.gov.za/master/directives.html No substantive body obtained. Failed official alternate/index. No complete directive-currentness claim.
S012 Department of Justice, Administration of Estates Act 66 of 1965. https://www.justice.gov.za/legislation/acts/1965-066%20admin%20estates.pdf No substantive body obtained. Failed deceased-estate boundary candidate. No §34 procedure adopted.
S013 Department of Justice, Interpretation Act 33 of 1957. https://www.justice.gov.za/legislation/acts/1957-033.pdf No substantive body obtained. Failed time-computation source. No general holiday or endpoint rule inferred.
S014 South African Government, Interpretation Act legislative record. https://www.gov.za/documents/interpretation-act-24-may-1957-0000 HTML record opened; linked statutory file failed. Metadata only. Does not resolve exact surrender notice computation.
S015 Government Gazette, original Insolvency Act 24 of 1936. https://www.gov.za/sites/default/files/gcis_document/201505/act24of1936s.pdf No body obtained; file exceeded retrieval size limit. Failed official original-law alternate. No original-page claim.
S016 Constitutional Court, catalogue for Stratford and Others v Investec Bank Limited and Others [2014] ZACC38. https://collections.concourt.org.za/items/5028100e-ca2d-47df-b0e7-430c1c20db3d Catalogue citation/status information only. Fresh official metadata. Final judgment body not obtained; no ratio, majority holding or current citator conclusion adopted.
S017 Constitutional Court, historical link to official final judgment in [2014] ZACC38. https://collections.concourt.org.za/bitstream/handle/20.500.12144/3759/Full%20judgment%20Official%20version%20%28268%20Kb%29-22515.pdf?sequence=14&isAllowed=y No body obtained; 404 response. Failed final-opinion candidate. Employee-notice/constitutional qualification remains unresolved.
S018 Constitutional Court, pre-hearing media summary associated with the same litigation. https://collections.concourt.org.za/bitstreams/7c2897cc-304c-4c51-95ea-b1a38519f463/download Two-page pre-hearing summary. Fresh document identified, excluded as final merits authority. Not relied on for legal holding.
S019 SAFLII, Insolvency Act consolidation. https://www.saflii.org/za/legis/consol_act/ia1936149/ No body obtained; access denied. Failed public alternate. No statutory claim rests on it.
S020 LawLibrary, Insolvency Act 24 of 1936. https://lawlibrary.org.za/akn/za/act/1936/24 No body obtained; access denied. Failed public alternate. No body or currentness claim.
S021 South African Government, Financial Matters Amendment Act 18 of 2019 legislative page. https://www.gov.za/documents/acts/financial-matters-amendment-act-18-2019-english-afrikaans-23-may-2019 Amendment identity surfaced; substantive body not obtained. Unresolved later-amendment candidate. Detailed secured-asset effects remain held.
S022 Department of Justice, Master: Insolvency. https://www.justice.gov.za/master/insolvency.html No substantive body obtained. Failed guidance candidate. No service procedure or absence finding inferred.

Source hierarchy: S001, S003–S006 are the substantive legislative evidence. S002/S014/S016 are metadata. S007 is educational commentary. S008 is official guidance. The remaining entries preserve failed or excluded candidates; they do not prove substantive rules.

Complete atomic claim register — C_ZA-P17-C001 onward

All claims are national and bounded. A066, A097 and A098 remain unaccepted. Pinpoints refer to the full URLs in the source register.

Claim ID Exact proposition, actor, trigger and effect Primary pinpoint Limit
C_ZA-P17-C001 Act24/1936 commenced 1 July 1936; the Justice compilation is not a complete 2026 consolidation. S001 header; S002 metadata Later amendments separately qualified
C002 “Debtor” includes the relevant person/estate but excludes bodies capable of company-law liquidation. S001 §2, zero P1 Partnerships/company regimes deferred
C003 Debtor/agent or entrusted administrator of deceased/incapable debtor estate may petition voluntary surrender. S001 §3(1), P3 Authority and estate status required
C004 Both spouses must apply to surrender a community-of-property joint estate. S004 §17(4)(a), P4 Marital regime unknown
C005 Superior-court jurisdiction applies; exact current §149 nexus/proviso was not fully read. S001 §2; S007 P2 Educational jurisdiction summary is not complete primary verification
C006 Court must be satisfied the estate is actually insolvent. S001 §6(1), P5 Cash-flow difficulty alone insufficient
C007 Realisable property must cover all sequestration costs payable from free residue. §6(1), P5 Actual costs/values required
C008 Court must find advantage to creditors and retains discretion to refuse. §6(1), P5 Positive dividend is not the finding
C009 Free residue excludes value subject to specified security preferences. §2, P2 Actual security/priority facts required
C010 Master may require sworn-appraiser/designated valuation. §4(4), P4 Not every self-estimate accepted
C011 No fixed national minimum dividend percentage was established. §6(1); source review Not proof no relevant local judicial approach exists
C012 Financial model is evidence only and must avoid double-counting costs/security. §6 and stated model assumptions No appraisal or court approval
C013 Notice substantially Form A goes in Gazette and relevant circulating newspaper. §4(1), P3; Form A P76 Current directive overlay held
C014 Publication window is no more than 30 and no less than 14 days before advertised application. §4(1), P3 Exact endpoint/holiday computation held
C015 Within seven days from Gazette publication, deliver/post copy to known/ascertainable creditors. S003 §1, P1 Address and delivery evidence required
C016 Same seven-day period applies to posting to known registered employee unions. S003 §1, P1 Actual employee/union facts
C017 Employee notice follows accessible-board, gate or door statutory sequence. S003 §1, P1 Constitutional/category qualification not fully verified
C018 Copy must be posted to SARS within the same seven-day period. S003 §1, P1 Not tax clearance/discharge
C019 Duplicate Form B statement with affidavit lodged with Master. S001 §4(3), P4 Current local filing/electronic form held
C020 Additional magistrate-copy rule has geographic predicates and historic exceptions. §4(5), P4 Modern local application unverified
C021 Statement available for 14-day creditor inspection from notice’s stated date. §4(6), P4 Office hours/start date evidence
C022 Court may examine petitioner or another person regarding petition. §3(3), P3 Hearing procedure separate
C023 Current Uniform Rule/Master-report mechanics were not obtained. S009 failure No report deadline invented
C024 Creditor opposition can test the statutory case; consent/no opposition does not replace §6 satisfaction. §§3–6 Exact opposition rules held
C025 §157 protects against formal defects only within substantial-injustice/remedy qualification. §157(1), P75 Not automatic condonation of every failure
C026 Publication restricts specified attached-property sales, with statutory exceptions. §5(1), P4 Not universal collection stay; sale-authority threshold not certified
C027 Master may appoint curator bonis before surrender outcome. §5(2), P4 Directions/security facts required
C028 Withdrawal requires Master’s written consent and publication of withdrawal/consent. §7, P5 Good faith/good cause predicates
C029 Refusal, proper withdrawal or failure to apply within statutory post-advertised period causes lapse; curator costs may remain. §6(2), P5 No automatic refund
C030 Published-notice failures can constitute an act of insolvency; 14-day lapse rule is not general grace to ignore hearing. §8(f), P5 Compulsory route not researched
C031 Current professional, publication, appraisal and trustee tariffs/adverse-cost outcome were not verified. Source limitation No fee quote or cost immunity
C032 Sequestration divests estate to Master and then trustee. §20(1)(a), P12 Statutory capacity, not personal beneficial ownership
C033 Master may appoint provisional trustee after order subject to security/directions. §18, P10 Actual appointment absent
C034 Trustee appointment is not supplied by NCR/PDA/collector/ordinary attorney status. §§18,20,56 Other permissions remain separate
C035 Order stays specified civil proceedings until appointment and stays execution subject to court/statutory exceptions. §20(1), P12–13 Not permanent end of all proceedings
C036 Estate can include post-order acquisitions subject to §23. §20(2), P13 Full exemptions deferred
C037 Solvent-spouse property can vest temporarily, subject to statutory release. §21, P13–15 Ownership/marital facts essential
C038 Security rights are not automatically extinguished; §47 preserves specified rights on compliant delivery/proof. §47, P28 Full security/§83 law held
C039 Insolvent may work subject to statutory limits; earnings surplus beyond support needs can be recovered under Master’s assessment. §23, P15–16 No fixed income retention amount
C040 Certain pensions, compensation and other benefits receive qualified treatment. §23(7)–(9), P16 Not exhaustive exemptions list
C041 Trustee may, with Master consent, make pre-second-meeting support allowance. §79, P42 Discretionary, no fixed amount
C042 Creditors must prove claims through statutory process; statement listing is not automatic admission. §44, P26 Full meetings/voting process held
C043 Complete current permanent-trustee appointment/security chain not fully read. §56 partial P31; P32 failed No certificate/account/signatory finding
C044 Prior dispositions/preferences/collusion may be challenged under distinct statutory predicates. §§26,29–31, P17–18 No automatic avoidance or asset-sheltering advice
C045 Surrender/sequestration does not itself immediately discharge debts. §§20,127A,129 Rehabilitation separate
C046 §127A has a ten-year deemed-rehabilitation rule subject to a contrary court order on timely application. §127A, P65 Full earlier rehabilitation routes held
C047 Rehabilitation generally discharges specified pre-sequestration debts except fraud debts, subject to statutory conditions. §129(1), P65 Not exhaustive exception analysis
C048 Rehabilitation does not necessarily free already vested undistributed property or sureties. §129(3), P65 Continuation not completely read
C049 Aggrieved person has a statutory court-review gateway for Master decisions. §151, P73 Full current procedural rules/appeal held
C050 Later financial-sector amendments affect special institutions/security; §22A amendment commenced 1 June 2023. S005 cl1; S006 P0/GG80 Other later provisions’ commencement/effects held
C051 Deceased-estate §3 standing does not complete the Administration of Estates Act alternative. §3(1); S012 failure Full deceased-estate route deferred
C052 Unread 2025 Master directive cannot establish replacement of §4 publication duties. S010–S011 failures No online-only substitution assumed
C053 Notice periods are stated symbolically because complete day/holiday computation was not verified. §§4,6; S013–S014 No actual deadline
C054 No final constitutional/controlling judgment was successfully opened for the employee-notice issue. S016–S018 No ratio or full citator claimed
C055 SCA educational paper is not a controlling judgment or national dividend/cost tariff. S007 Cases quoted there not adopted as freshly read judgments
C056 Numerical examples are hypothetical arithmetic, not court findings or accepted fees. §6 plus stipulated inputs Values/costs/claims unknown
C057 P05 D09 becomes partially researched for voluntary surrender only. C001–C056 Other statutory solutions held
C058 Full liquidation, rescue, compulsory sequestration and rehabilitation remain deferred. Scope boundary No substitute report
C059 All nine provincial/divisional/local branches remain unexamined. Scope boundary National Act not local clearance
C060 No actual applicant, estate, trustee, creditor, property, account or docket was investigated. Research-method fact Generic public sources only
C061 A066/A097/A098, parent, country and publication acceptance remain held. Scope/provenance Separate review required

Complete granular coverage register

G1 — Statute, applicant, forum and financial gateway: 20 rows

Row Subquestion Status Finding/claims Missing evidence / next action
G1-01 Act identity/commencement answered historically C001 Later amendment chain separately qualified
G1-02 Complete current consolidation partial-currentness C001,C050 Read all later material amendments/commencements
G1-03 Debtor/estate definition answered C002 Actual entity/estate facts
G1-04 Natural-person applicant answered C003 Actual authority/status
G1-05 Agent applicant partial C003 Mandate and procedural proof
G1-06 Incapable debtor estate partial C003 Entrusted-administrator authority
G1-07 Deceased estate partial boundary C003,C051 Administration of Estates Act route
G1-08 Joint community estate answered conditionally C004 Both spouses/marital regime
G1-09 High Court versus Magistrates’ Court answered at institutional level C005 Actual division
G1-10 Domicile/residence/business/property nexus partial C005 Read current §149 and provisos
G1-11 Local venue/transfer unresolved C005,C059 Division rules/current jurisdiction text
G1-12 Actual insolvency answered at statutory level C006 Full liabilities/values
G1-13 Cash-flow distress alone answered negatively C006 Actual estate balance
G1-14 Cost-bearing property answered C007 Realisation and cost evidence
G1-15 Free residue answered C009 Actual security/priorities
G1-16 Advantage to creditors answered at statutory level C008 Evidential assessment by court
G1-17 Minimum dividend no fixed rule established C011,C055 Any applicable controlling/local decision
G1-18 Court discretion answered C008 Actual application
G1-19 Valuation requirement answered conditionally C010 Appraiser/report/assumptions
G1-20 Current cost/tariff amounts unresolved C031 Current tariff and actual allowed costs

G2 — Notices, documents, hearing and withdrawal: 18 rows

Row Subquestion Status Finding/claims Missing evidence / next action
G2-01 Form A notice answered C013 Current local submission format
G2-02 Gazette and newspaper answered C013 Publication proof/circulation
G2-03 14–30-day window answered textually C014 Exact calendar computation
G2-04 Creditor notice answered C015 Address and delivery records
G2-05 Union notice answered conditionally C016 Employee/union facts
G2-06 Employee display notice answered textually C017 Constitutional/local qualification
G2-07 SARS notice answered C018 Posting proof
G2-08 Form B statement/affidavit answered C019 Current form and true financial facts
G2-09 Additional magistrate copy partial C020 Modern local exceptions/practice
G2-10 Fourteen-day inspection answered textually C021 Notice start/office proof
G2-11 Master report unresolved C023 Current Uniform Rule and practice
G2-12 Court examination answered C022 Hearing evidence
G2-13 Creditor opposition partial C024 Current filing/opposition rules
G2-14 Notice defect/condonation partial C025,C054 Final controlling judgments/local rules
G2-15 Pre-order sale restriction answered narrowly C026 Exceptions and current authority limits
G2-16 Curator bonis answered conditionally C027 Appointment/directions
G2-17 Withdrawal answered C028 Written consent/publication
G2-18 Lapse/adverse acts/costs answered at gateway level C029–C031 Actual chronology/order/costs

G3 — Order, asset control, creditors and rehabilitation: 20 rows

Row Subquestion Status Finding/claims Missing evidence / next action
G3-01 Divestment/vesting answered C032 Actual order/assets
G3-02 Provisional trustee answered conditionally C033 Appointment/security
G3-03 Permanent trustee partial C043 Complete §56/current conditions
G3-04 Separate professional permissions boundary answered C034 Actual regulated activities
G3-05 Civil-proceedings stay answered narrowly C035 Exceptions/procedural posture
G3-06 Execution stay answered narrowly C035 Order notice/court directions
G3-07 After-acquired property partial C036,C040 Full exemptions/current law
G3-08 Solvent-spouse property partial C037 Ownership/release evidence
G3-09 Secured rights partial boundary C038,C050 Current §83/security law
G3-10 Work/business restrictions partial C039 Occupation/consent facts
G3-11 Earnings/necessities/dependants answered conditionally C039 Master’s assessment
G3-12 Support allowance answered conditionally C041 Master consent/estate resources
G3-13 Creditors’ proof/participation partial C042 Current meeting/claim procedures
G3-14 Money/account/signatory controls deferred technical detail C034,C043 Current trustee banking rules
G3-15 Avoidance gateway partial boundary C044 Actual disposition and full statutory elements
G3-16 Immediate discharge answered negatively C045 Rehabilitation separate
G3-17 Ten-year deemed rehabilitation answered at text boundary C046 Exceptions and actual court history
G3-18 Rehabilitation debt effect partial C047–C048 Full §129 and other routes/exceptions
G3-19 Master decision review partial C049 Current procedure/standing
G3-20 Modern financial-sector overlay partial C050 Later commencement/security provisions

G4 — Fictional workflows: 14 rows

Row Workflow Status Claims Missing facts
G4-01 Insolvent/no free-residue assets adverse branch established C006–C012 Realisable assets/costs
G4-02 Solvent cash-flow distress adverse branch established C006 Actual balance sheet
G4-03 Encumbered property conditional model C007,C009,C038 Security/realisation values
G4-04 Valuation challenge conditional C010,C019 Appraisal evidence
G4-05 Minimal dividend no automatic acceptance C008,C011,C056 Court advantage finding
G4-06 Joint estate conditional C004,C037 Marital regime/applicants
G4-07 Irregular income partial C007,C039–C041 Reliable earnings/support evidence
G4-08 Notice failure partial C013–C025 Defect/remedy/case authority
G4-09 Creditor opposition partial C022–C024 Current rules and evidence
G4-10 Employee/tax notice conditional C015–C018 Actual persons/address/posting
G4-11 Attempted withdrawal conditional C028–C030 Master consent/publication
G4-12 Asset control/discharge assumption boundary answered C032–C048 Actual order/rehabilitation
G4-13 Deceased estate partial boundary C003,C051 Executor/alternative process
G4-14 Universal-stay assumption rejected C026,C035 Specific execution/order facts

G5 — Reviewed gap and currentness: 6 rows

Row Matter Status Finding/claims Exact next action
G5-01 P05 D09 surrender part partial substantive completion C057 Resolve listed procedural/currentness gaps
G5-02 Other insolvency solutions deferred C058 Separate focused passes
G5-03 Current rules/directives unresolved C023,C052–C054 Open operative current official bodies
G5-04 Unreviewed previous reports not adopted C061 Separate coordinator review
G5-05 No actual records/actions confirmed C060 None
G5-06 Acceptance/provinces/foreign held C059,C061 Separate jurisdictional and review work

Explicitly deferred families

Row Deferred family Exact retained question
D01 Compulsory creditor sequestration What applicant standing, provisional/final tests and procedures apply?
D02 Magistrates’ Court administration orders P16 remains unreviewed; no premise adopted.
D03 Company liquidation Separate company/insolvency regime.
D04 Business rescue Separate practitioner, rescue-plan and court process.
D05 Full deceased-estate insolvency Executor authority and Administration of Estates Act procedure.
D06 Full trustee appointment/security policy Current appointment policy, certificate, security and challenge mechanisms.
D07 Estate banking/client-money technicalities Account title, ownership, signatories, investment, interest and reconciliation.
D08 Full secured-asset realisation Current §§83 and related priorities, costs, deficiencies and release.
D09 Full avoidance law Disposition type, timing, defences, standing and recovery.
D10 All exemptions and protected income Complete current property, benefit, pension and support regime.
D11 Full rehabilitation Earlier applications, statutory periods, notice, opposition, conditions and exclusions.
D12 Private contracts and advisers’ fees Actual mandate, services, invoices, cost agreements and consumer remedies.
D13 NCA debt review and credit classification Separate statutory pathway; P13 unreviewed.
D14 PDA/payment-distribution permissions P06 unreviewed and not applicable by analogy.
D15 NCR/NCT enforcement P10 unreviewed; no enforcement premise.
D16 Credit reporting and clearance P15 unreviewed; no automatic reporting outcome.
D17 Prescription No interruption, revival or limitation result decided here.
D18 Tax and SARS claims Notice is established; tax priority, return and discharge consequences are not.
D19 Maintenance, public and special claims Classification and priority require separate sources.
D20 Foreign law/cross-border assets/recognition Jurisdiction and recognition outside the national gateway remain held.
D21 Customary/tribal/local arrangements No customary-law or local community-property analysis.
D22 Whole parent/country/A066/A097/A098/publication approval No acceptance or operational publication clearance follows.

Nine-province and local-division register

Province Status Exact remaining question
Eastern Cape Unexamined locally Which High Court division/seat, practice directive, filing package, calendar and Master’s office apply?
Free State Unexamined locally Same division, local forms, valuation practice and hearing inquiry.
Gauteng Unexamined locally Which division/seat and current insolvency practice requirements govern? No local dividend standard is assumed.
KwaZulu-Natal Unexamined locally Current division procedure and final local notice/valuation authorities require primary reading.
Limpopo Unexamined locally Division, Master, filing and calendar requirements not checked.
Mpumalanga Unexamined locally Division, Master, filing and calendar requirements not checked.
Northern Cape Unexamined locally Division, Master, filing and calendar requirements not checked.
North West Unexamined locally Division, Master, filing and calendar requirements not checked.
Western Cape Unexamined locally Historical §4(5) district wording must be reconciled with current court/Master arrangements.

National legislation does not clear every province, High Court seat, Master’s office or local practice.

Evidence-backed opportunities

Candidate Supported educational function Required limit
Voluntary-surrender gateway checklist Separate actual insolvency, cost-bearing assets, creditor advantage and procedure. Not an eligibility or court-acceptance certificate.
Free-residue worksheet Separate gross value, security, realisation costs, free residue and concurrent claims. Inputs must be independently supported; no fixed dividend promise.
Notice-event map Distinguish Gazette/newspaper, creditor, union, employee, SARS and inspection triggers. No live deadlines until current computation rules and local calendar are verified.
Statement-of-affairs evidence checklist Assets, liabilities, valuations, security, claims and supporting affidavits. Not a replacement for the prescribed form or current court bundle.
Publication-versus-order explainer Show limited §5 effects versus broader §20 vesting/stays. No universal pre-order collection freeze.
Surrender-versus-discharge article Explain that rehabilitation is separate and qualified. Full rehabilitation procedure requires another pass.
Joint-estate decision gate Require marital-regime and both-spouse analysis. No assumption that every spouse’s asset belongs to the same estate.

Search/read audit

The research used the Justice and gov.za statutory repositories, official Master/SARS materials, the SCA’s published judicial education paper and the Constitutional Court’s public catalogue.

Material search themes were:

  • Insolvency Act §§3–7, 149, 157 and First Schedule Forms A/B;
  • voluntary surrender and creditor advantage;
  • employee, union and SARS notice amendments;
  • joint-estate surrender under Matrimonial Property Act §17;
  • Uniform Rule 6 and the Master’s report;
  • current Master publication directives;
  • later financial-sector amendments;
  • statutory rehabilitation effects.

Read bounds and failures

  • The Justice compilation initially opened. Multiple page images then supplied the material statute text even though some later section/page requests failed.
  • The original Gazette alternate exceeded retrieval limits.
  • Current Uniform Rules, Master directive, Interpretation Act and Administration of Estates Act bodies were not obtained.
  • The Constitutional Court catalogue was obtained, but its final-opinion link failed. A pre-hearing media document was identified and excluded as merits authority.
  • Search results containing pleadings, private-party argument or unrelated cases were not used as final judicial holdings.
  • No complete later-amendment, current-judgment or all-divisions citator was performed.
  • No named estate, applicant, trustee, provider, creditor, company, account, property, licence or docket was investigated.
  • No form, application, notice, complaint, record request, contact, payment, account action, site change or publication occurred.
  • No coordinator files were written.

Counts and researcher self-check

Deliverable Actual displayed count
P17 source-register rows 22
P17 atomic claims 61
G1 core coverage 20
G2 core coverage 18
G3 core coverage 20
G4 workflow coverage 14
G5 scope/reconciliation coverage 6
Total core coverage 78
Deferred-family rows 22
Provincial/local rows 9
Total coverage/hold rows 109
Fictional workflows 14
Financial calculation models 3
Symbolic timetable model 1
Reviewed-gap crosswalk rows 8
Opportunity rows 7
Actual eligibility, order, dividend or discharge findings 0

Self-check

  • Actual insolvency is separated from cash-flow distress.
  • Costs payable from free residue are separated from secured proceeds.
  • Realisation costs are not counted twice in the illustrations.
  • No fixed minimum dividend, trustee tariff or current court-fee estimate is invented.
  • A positive percentage is not equated with creditor advantage.
  • Court discretion remains visible.
  • Gazette/newspaper publication, seven-day notices and 14-day inspection have separate triggers.
  • No ordinary-day period is converted to business days without authority.
  • Employee, union and SARS notice requirements are included.
  • The failed constitutional judgment retrieval is not described as a merits read.
  • A Master’s report is held as a material procedural gap, not dismissed as unnecessary.
  • Pre-order publication is not called a universal stay.
  • Withdrawal requires the statutory consent and publication process.
  • The post-advertised lapse provision is not described as a grace period.
  • Estate vesting, trustee appointment and professional permission remain distinct.
  • Earnings and dependant needs are not treated as an all-or-nothing rule.
  • Surrender is not immediate discharge.
  • Rehabilitation exclusions are not claimed to be exhaustive.
  • No P16 administration-order result or other unreviewed component is adopted.
  • All local, foreign, parent and A066/A097/A098 holds remain.

Exact next primary-source question

What is the complete currently operative High Court and Master procedural package for a voluntary-surrender application in the relevant division—including Insolvency Act §149, Uniform Rule requirements for the Master’s report and service, operative publication directives, time computation, and the controlling final judgments on employee notice, defective publication, valuation and creditor advantage?

Final P17 disposition: The voluntary-surrender portion of P05 D09 moves from wholly deferred to partial substantive national coverage. The statutory applicant, financial, notice and immediate-effect gateway is established with material procedural, judicial-authority, currentness and local-practice gaps expressly retained. No actual surrender eligibility, court order, dividend, discharge or country/parent/A066/A097/A098 acceptance is determined.

END C_ZA PASS-17

Every captured table

Captured cells with original header handling and explicitly labeled bounded correction overlays. Downloaded JSON retains original cells. Tables may contain source limitations, historical examples and identified corrections; the complete reading supplies context.

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

Read the related correction supplements

These components repair their stated scope. They do not replace every other finding in this research series.

CZA four bounded consistency repairs →

Captured table 01

No. · Fictional facts and actor · Required proof, legal route and possible effect · 14 data rows

No.Fictional facts and actorRequired proof, legal route and possible effectAdverse branch / missing factsClaims
1A natural person’s liabilities exceed assets, but no unencumbered realisable assets are identified.§6 requires sufficient property to cover costs from free residue as well as insolvency and creditor advantage.Insolvency alone is insufficient. Recoverable assets or another lawful funding basis would need substantiation, not speculation.C006–C012
2A debtor cannot pay this month’s bills, but conservatively valued assets exceed liabilities.Actual insolvency must be established.Cash-flow distress alone does not establish the surrender test. Values and contingent obligations may change the conclusion.C006
3The principal asset is mortgaged and most sale proceeds would satisfy security and sale costs.Separate gross value, secured debt, sale costs and free-residue surplus.A high property value can coexist with no cost-bearing free residue. Actual bond, costs and valuation required.C007,C009,C038
4An applicant’s valuation assumes a high sale price without supporting evidence.Statement, affidavit and any required appraiser valuation must support realisability.Master may require valuation; court need not accept optimistic figures. No fixed valuation fee or universal appraisal format is assumed.C010,C019
5Estimated creditor dividend is 1%.Court must still find advantage and exercise discretion.Positive arithmetic is not legal acceptance; costs or claim changes can eliminate it.C008,C011–C012,C056
6One spouse seeks to surrender a joint estate in community of property.Both spouses must apply under Matrimonial Property Act §17(4)(a).A separate-estate marriage engages different ownership and potential §21 issues. Actual marital regime required.C004,C037
7Debtor has irregular commission income but few current assets.Existing realisable property, cost coverage and creditor advantage must be proved; later surplus earnings may be relevant under §23(5).A favourable future-income forecast does not automatically replace the initial cost-assets test. Household necessities and Master’s assessment remain material.C007,C012,C039–C041
8Gazette notice is published, but the newspaper or statement inspection is defective.Court must assess §4 compliance; §157 is not blanket condonation.Whether defect is formal and remediable is judicial; current controlling notice cases and local rules remain held.C013–C025
9A creditor opposes on valuation, omitted assets or costs.Court can examine the petitioner and evidence; §6 predicates still apply.Creditor objection is not automatically a veto, but no opposition is not proof of advantage. Actual opposition procedure required.C022–C024
10Debtor has employees and a tax account.Within seven days from Gazette publication, satisfy creditor/union/employee/SARS notice branches.A personal declaration of “no employees” must be factually correct; constitutional employee-scope details were not fully verified.C015–C018,C054
11After publication, debtor changes their mind.§7 written Master consent plus Gazette and same-newspaper withdrawal publication.Private withdrawal is insufficient; lapse and act-of-insolvency consequences may arise.C028–C030
12Court accepts surrender; debtor assumes all debts disappear and they can keep directing asset sales.Estate vests in Master then trustee; administration and later rehabilitation are separate.No immediate discharge or freedom to dispose of vested assets follows.C032–C048
13Executor considers surrender of a deceased insolvent estate.§3 permits the entrusted estate administrator to apply.Separate Administration of Estates Act alternatives, authority and procedures were not read completely.C003,C051
14Notice is published while an attached asset is scheduled for sale; debtor assumes every legal action has stopped.§5 gives a limited attached-property sale restriction with exceptions; order effects under §20 are separate.No universal pre-order collection stay, interest freeze or debt cancellation is established.C026–C027,C035,C045

Captured table 02

Prior component · Original reviewed position · P17 addition · 8 data rows

Prior componentOriginal reviewed positionP17 additionDisposition
P05 D09: Statutory insolvency, sequestration, administration orders, business rescueexcluded_with_reason — Separate statutory-solution fee/actor study.Natural-person voluntary-surrender gateway, national notice procedure, cost/advantage tests and limited order consequences researched.Partial substantive completion for voluntary surrender only.
Administration ordersSeparate P16 report, unreviewedNo P16 conclusion used.Held separately
Compulsory creditor sequestrationDeferredOnly necessary boundary and adverse act-of-insolvency risk noted.Deferred
Voluntary surrender of deceased estateNot previously completed§3 standing identified; alternative estate law not completed.Partial boundary only
Business rescueDeferredNot researched.Deferred
Company liquidationDeferredNot researched.Deferred
Full rehabilitation/dischargeDeferred§§127A/129 boundary read only.Deferred
P06/P10/P13/P15 and broader countryUnreviewed or scoped with holdsNot used as accepted premises.Holds unchanged

Captured table 03

Source ID · Issuer, title and complete literal HTTPS URL · Material body actually read / locator · 22 data rows

Source IDIssuer, title and complete literal HTTPS URLMaterial body actually read / locatorStatus and limits
C_ZA-P17-S001Department of Justice, Insolvency Act 24 of 1936, amended 96-page compilation. https://www.justice.gov.za/legislation/acts/1936-024.pdfHeader/amendments P0; definitions P1–2; §§3–8 P3–5; §18 P10; §§20–23 P12–16; §§25–31 P17–18; §§39,44 P24,26; §47 P28; appointment portions P31; removal P34; §79 P42; §§127A/129 P65; §151 P73; §157 P75; Form A/Form B start P76. Internal printed page = zero index +1 on inspected pages.Fresh official parsed body and listed page images read. Later section opens and some pages failed. Compilation lists amendments through 2005, not all later amendments. §149, part of §56 and continuation of §129 not fully read.
S002South African Government, Insolvency Act 24 of 1936 legislative record. https://www.gov.za/documents/insolvency-act-24-jun-1936-0000HTML commencement and amendment list.Fresh metadata. Commencement 1 July 1936; lists later amendments through Act23/2021. Not operative section text.
S003Parliament/Presidency, Insolvency Second Amendment Act 69 of 2002, GG24285, GoN121. https://www.gov.za/sites/default/files/gcis_document/201409/a69-020.pdf§1 replacing §4(2), zero P1/GG p2; §10 commencement, zero P4/GG p8.Fresh enacted body; P1 image inspected. Commencement 1 January 2003. Gazette publication 22 January 2003 is not substituted for commencement.
S004Department of Justice, Matrimonial Property Act 88 of 1984, amended compilation. https://www.justice.gov.za/legislation/acts/1984-088.pdf§17(4)(a), zero P4; printed label unverified.Fresh body and page image read. Both spouses required for joint-estate surrender. No full matrimonial-property review.
S005Parliament/Presidency, Financial Sector Laws Amendment Act 23 of 2021, GG45825, notice789. https://www.gov.za/sites/default/files/gcis_document/202203/45825gen789.pdfClauses 1–3, zero P3/GG p4 and adjacent text: §22A and amendments touching §§35A/83.Fresh enacted body and P3 image read. Later financial-sector overlay; not a rewrite of §§3–7. Different commencement provisions must be separated.
S006Minister of Finance, Commencement of Certain Provisions of Financial Sector Laws Amendment Act, 2021, GN3202, GG48294, 24 March 2023. https://www.gov.za/sites/default/files/gcis_document/202303/48294gon3202.pdfOperative notice, zero P0/GG p80.Fresh body/image read. Section 1 of Act23/2021 commenced 1 June 2023. The notice does not list sections 2–3 among that group; their full commencement chain remains held.
S007Supreme Court of Appeal, Justice V. Ponnan, Insolvency Law, SAJEI educational paper. https://www.supremecourtofappeal.org.za/index.php/speeches-and-conferences/category/14-conference-papers?download=107%3Ainsolvency-lawJurisdiction summary zero P2/internal p3; voluntary-surrender discussion P24–P31/internal pp25–32; P24 image inspected.Fresh judicial educational commentary, not a judgment. Used to locate unresolved authorities, not as a binding national tariff/dividend test.
S008SARS, Personal Income Tax: Insolvency. https://www.sars.gov.za/types-of-tax/personal-income-tax/pit-insolvency/HTML description of actual insolvency, sequestration and deceased-estate distinctions.Fresh official guidance. Tax treatment and full deceased-estate procedure not researched.
S009Justice, Uniform Rules of Court, official hosted compilation. https://www.justice.gov.za/legislation/rules/Uniform-Rules-of-Court-GG999-GNR48-19650112-SAFLII.pdfNo substantive body obtained.Failed current procedural candidate. Timeout. No rule 6 or Master-report deadline is asserted from it.
S010Chief Master, Directive 1 of 2025, online advertisement/publication material. https://www.justice.gov.za/master/m_docs/2025-01_CHM-directive.pdfNo substantive body obtained.Failed candidate. Search metadata cannot prove replacement of §4 Gazette/newspaper publication.
S011Chief Master, Directives index. https://www.justice.gov.za/master/directives.htmlNo substantive body obtained.Failed official alternate/index. No complete directive-currentness claim.
S012Department of Justice, Administration of Estates Act 66 of 1965. https://www.justice.gov.za/legislation/acts/1965-066%20admin%20estates.pdfNo substantive body obtained.Failed deceased-estate boundary candidate. No §34 procedure adopted.
S013Department of Justice, Interpretation Act 33 of 1957. https://www.justice.gov.za/legislation/acts/1957-033.pdfNo substantive body obtained.Failed time-computation source. No general holiday or endpoint rule inferred.
S014South African Government, Interpretation Act legislative record. https://www.gov.za/documents/interpretation-act-24-may-1957-0000HTML record opened; linked statutory file failed.Metadata only. Does not resolve exact surrender notice computation.
S015Government Gazette, original Insolvency Act 24 of 1936. https://www.gov.za/sites/default/files/gcis_document/201505/act24of1936s.pdfNo body obtained; file exceeded retrieval size limit.Failed official original-law alternate. No original-page claim.
S016Constitutional Court, catalogue for Stratford and Others v Investec Bank Limited and Others [2014] ZACC38. https://collections.concourt.org.za/items/5028100e-ca2d-47df-b0e7-430c1c20db3dCatalogue citation/status information only.Fresh official metadata. Final judgment body not obtained; no ratio, majority holding or current citator conclusion adopted.
S017Constitutional Court, historical link to official final judgment in [2014] ZACC38. https://collections.concourt.org.za/bitstream/handle/20.500.12144/3759/Full%20judgment%20Official%20version%20%28268%20Kb%29-22515.pdf?sequence=14&isAllowed=yNo body obtained; 404 response.Failed final-opinion candidate. Employee-notice/constitutional qualification remains unresolved.
S018Constitutional Court, pre-hearing media summary associated with the same litigation. https://collections.concourt.org.za/bitstreams/7c2897cc-304c-4c51-95ea-b1a38519f463/downloadTwo-page pre-hearing summary.Fresh document identified, excluded as final merits authority. Not relied on for legal holding.
S019SAFLII, Insolvency Act consolidation. https://www.saflii.org/za/legis/consol_act/ia1936149/No body obtained; access denied.Failed public alternate. No statutory claim rests on it.
S020LawLibrary, Insolvency Act 24 of 1936. https://lawlibrary.org.za/akn/za/act/1936/24No body obtained; access denied.Failed public alternate. No body or currentness claim.
S021South African Government, Financial Matters Amendment Act 18 of 2019 legislative page. https://www.gov.za/documents/acts/financial-matters-amendment-act-18-2019-english-afrikaans-23-may-2019Amendment identity surfaced; substantive body not obtained.Unresolved later-amendment candidate. Detailed secured-asset effects remain held.
S022Department of Justice, Master: Insolvency. https://www.justice.gov.za/master/insolvency.htmlNo substantive body obtained.Failed guidance candidate. No service procedure or absence finding inferred.

Captured table 04

Claim ID · Exact proposition, actor, trigger and effect · Primary pinpoint · 61 data rows

Claim IDExact proposition, actor, trigger and effectPrimary pinpointLimit
C_ZA-P17-C001Act24/1936 commenced 1 July 1936; the Justice compilation is not a complete 2026 consolidation.S001 header; S002 metadataLater amendments separately qualified
C002“Debtor” includes the relevant person/estate but excludes bodies capable of company-law liquidation.S001 §2, zero P1Partnerships/company regimes deferred
C003Debtor/agent or entrusted administrator of deceased/incapable debtor estate may petition voluntary surrender.S001 §3(1), P3Authority and estate status required
C004Both spouses must apply to surrender a community-of-property joint estate.S004 §17(4)(a), P4Marital regime unknown
C005Superior-court jurisdiction applies; exact current §149 nexus/proviso was not fully read.S001 §2; S007 P2Educational jurisdiction summary is not complete primary verification
C006Court must be satisfied the estate is actually insolvent.S001 §6(1), P5Cash-flow difficulty alone insufficient
C007Realisable property must cover all sequestration costs payable from free residue.§6(1), P5Actual costs/values required
C008Court must find advantage to creditors and retains discretion to refuse.§6(1), P5Positive dividend is not the finding
C009Free residue excludes value subject to specified security preferences.§2, P2Actual security/priority facts required
C010Master may require sworn-appraiser/designated valuation.§4(4), P4Not every self-estimate accepted
C011No fixed national minimum dividend percentage was established.§6(1); source reviewNot proof no relevant local judicial approach exists
C012Financial model is evidence only and must avoid double-counting costs/security.§6 and stated model assumptionsNo appraisal or court approval
C013Notice substantially Form A goes in Gazette and relevant circulating newspaper.§4(1), P3; Form A P76Current directive overlay held
C014Publication window is no more than 30 and no less than 14 days before advertised application.§4(1), P3Exact endpoint/holiday computation held
C015Within seven days from Gazette publication, deliver/post copy to known/ascertainable creditors.S003 §1, P1Address and delivery evidence required
C016Same seven-day period applies to posting to known registered employee unions.S003 §1, P1Actual employee/union facts
C017Employee notice follows accessible-board, gate or door statutory sequence.S003 §1, P1Constitutional/category qualification not fully verified
C018Copy must be posted to SARS within the same seven-day period.S003 §1, P1Not tax clearance/discharge
C019Duplicate Form B statement with affidavit lodged with Master.S001 §4(3), P4Current local filing/electronic form held
C020Additional magistrate-copy rule has geographic predicates and historic exceptions.§4(5), P4Modern local application unverified
C021Statement available for 14-day creditor inspection from notice’s stated date.§4(6), P4Office hours/start date evidence
C022Court may examine petitioner or another person regarding petition.§3(3), P3Hearing procedure separate
C023Current Uniform Rule/Master-report mechanics were not obtained.S009 failureNo report deadline invented
C024Creditor opposition can test the statutory case; consent/no opposition does not replace §6 satisfaction.§§3–6Exact opposition rules held
C025§157 protects against formal defects only within substantial-injustice/remedy qualification.§157(1), P75Not automatic condonation of every failure
C026Publication restricts specified attached-property sales, with statutory exceptions.§5(1), P4Not universal collection stay; sale-authority threshold not certified
C027Master may appoint curator bonis before surrender outcome.§5(2), P4Directions/security facts required
C028Withdrawal requires Master’s written consent and publication of withdrawal/consent.§7, P5Good faith/good cause predicates
C029Refusal, proper withdrawal or failure to apply within statutory post-advertised period causes lapse; curator costs may remain.§6(2), P5No automatic refund
C030Published-notice failures can constitute an act of insolvency; 14-day lapse rule is not general grace to ignore hearing.§8(f), P5Compulsory route not researched
C031Current professional, publication, appraisal and trustee tariffs/adverse-cost outcome were not verified.Source limitationNo fee quote or cost immunity
C032Sequestration divests estate to Master and then trustee.§20(1)(a), P12Statutory capacity, not personal beneficial ownership
C033Master may appoint provisional trustee after order subject to security/directions.§18, P10Actual appointment absent
C034Trustee appointment is not supplied by NCR/PDA/collector/ordinary attorney status.§§18,20,56Other permissions remain separate
C035Order stays specified civil proceedings until appointment and stays execution subject to court/statutory exceptions.§20(1), P12–13Not permanent end of all proceedings
C036Estate can include post-order acquisitions subject to §23.§20(2), P13Full exemptions deferred
C037Solvent-spouse property can vest temporarily, subject to statutory release.§21, P13–15Ownership/marital facts essential
C038Security rights are not automatically extinguished; §47 preserves specified rights on compliant delivery/proof.§47, P28Full security/§83 law held
C039Insolvent may work subject to statutory limits; earnings surplus beyond support needs can be recovered under Master’s assessment.§23, P15–16No fixed income retention amount
C040Certain pensions, compensation and other benefits receive qualified treatment.§23(7)–(9), P16Not exhaustive exemptions list
C041Trustee may, with Master consent, make pre-second-meeting support allowance.§79, P42Discretionary, no fixed amount
C042Creditors must prove claims through statutory process; statement listing is not automatic admission.§44, P26Full meetings/voting process held
C043Complete current permanent-trustee appointment/security chain not fully read.§56 partial P31; P32 failedNo certificate/account/signatory finding
C044Prior dispositions/preferences/collusion may be challenged under distinct statutory predicates.§§26,29–31, P17–18No automatic avoidance or asset-sheltering advice
C045Surrender/sequestration does not itself immediately discharge debts.§§20,127A,129Rehabilitation separate
C046§127A has a ten-year deemed-rehabilitation rule subject to a contrary court order on timely application.§127A, P65Full earlier rehabilitation routes held
C047Rehabilitation generally discharges specified pre-sequestration debts except fraud debts, subject to statutory conditions.§129(1), P65Not exhaustive exception analysis
C048Rehabilitation does not necessarily free already vested undistributed property or sureties.§129(3), P65Continuation not completely read
C049Aggrieved person has a statutory court-review gateway for Master decisions.§151, P73Full current procedural rules/appeal held
C050Later financial-sector amendments affect special institutions/security; §22A amendment commenced 1 June 2023.S005 cl1; S006 P0/GG80Other later provisions’ commencement/effects held
C051Deceased-estate §3 standing does not complete the Administration of Estates Act alternative.§3(1); S012 failureFull deceased-estate route deferred
C052Unread 2025 Master directive cannot establish replacement of §4 publication duties.S010–S011 failuresNo online-only substitution assumed
C053Notice periods are stated symbolically because complete day/holiday computation was not verified.§§4,6; S013–S014No actual deadline
C054No final constitutional/controlling judgment was successfully opened for the employee-notice issue.S016–S018No ratio or full citator claimed
C055SCA educational paper is not a controlling judgment or national dividend/cost tariff.S007Cases quoted there not adopted as freshly read judgments
C056Numerical examples are hypothetical arithmetic, not court findings or accepted fees.§6 plus stipulated inputsValues/costs/claims unknown
C057P05 D09 becomes partially researched for voluntary surrender only.C001–C056Other statutory solutions held
C058Full liquidation, rescue, compulsory sequestration and rehabilitation remain deferred.Scope boundaryNo substitute report
C059All nine provincial/divisional/local branches remain unexamined.Scope boundaryNational Act not local clearance
C060No actual applicant, estate, trustee, creditor, property, account or docket was investigated.Research-method factGeneric public sources only
C061A066/A097/A098, parent, country and publication acceptance remain held.Scope/provenanceSeparate review required

Captured table 05

Row · Subquestion · Status · 20 data rows

RowSubquestionStatusFinding/claimsMissing evidence / next action
G1-01Act identity/commencementanswered historicallyC001Later amendment chain separately qualified
G1-02Complete current consolidationpartial-currentnessC001,C050Read all later material amendments/commencements
G1-03Debtor/estate definitionansweredC002Actual entity/estate facts
G1-04Natural-person applicantansweredC003Actual authority/status
G1-05Agent applicantpartialC003Mandate and procedural proof
G1-06Incapable debtor estatepartialC003Entrusted-administrator authority
G1-07Deceased estatepartial boundaryC003,C051Administration of Estates Act route
G1-08Joint community estateanswered conditionallyC004Both spouses/marital regime
G1-09High Court versus Magistrates’ Courtanswered at institutional levelC005Actual division
G1-10Domicile/residence/business/property nexuspartialC005Read current §149 and provisos
G1-11Local venue/transferunresolvedC005,C059Division rules/current jurisdiction text
G1-12Actual insolvencyanswered at statutory levelC006Full liabilities/values
G1-13Cash-flow distress aloneanswered negativelyC006Actual estate balance
G1-14Cost-bearing propertyansweredC007Realisation and cost evidence
G1-15Free residueansweredC009Actual security/priorities
G1-16Advantage to creditorsanswered at statutory levelC008Evidential assessment by court
G1-17Minimum dividendno fixed rule establishedC011,C055Any applicable controlling/local decision
G1-18Court discretionansweredC008Actual application
G1-19Valuation requirementanswered conditionallyC010Appraiser/report/assumptions
G1-20Current cost/tariff amountsunresolvedC031Current tariff and actual allowed costs

Captured table 06

Row · Subquestion · Status · 18 data rows

RowSubquestionStatusFinding/claimsMissing evidence / next action
G2-01Form A noticeansweredC013Current local submission format
G2-02Gazette and newspaperansweredC013Publication proof/circulation
G2-0314–30-day windowanswered textuallyC014Exact calendar computation
G2-04Creditor noticeansweredC015Address and delivery records
G2-05Union noticeanswered conditionallyC016Employee/union facts
G2-06Employee display noticeanswered textuallyC017Constitutional/local qualification
G2-07SARS noticeansweredC018Posting proof
G2-08Form B statement/affidavitansweredC019Current form and true financial facts
G2-09Additional magistrate copypartialC020Modern local exceptions/practice
G2-10Fourteen-day inspectionanswered textuallyC021Notice start/office proof
G2-11Master reportunresolvedC023Current Uniform Rule and practice
G2-12Court examinationansweredC022Hearing evidence
G2-13Creditor oppositionpartialC024Current filing/opposition rules
G2-14Notice defect/condonationpartialC025,C054Final controlling judgments/local rules
G2-15Pre-order sale restrictionanswered narrowlyC026Exceptions and current authority limits
G2-16Curator bonisanswered conditionallyC027Appointment/directions
G2-17WithdrawalansweredC028Written consent/publication
G2-18Lapse/adverse acts/costsanswered at gateway levelC029–C031Actual chronology/order/costs

Captured table 07

Row · Subquestion · Status · 20 data rows

RowSubquestionStatusFinding/claimsMissing evidence / next action
G3-01Divestment/vestingansweredC032Actual order/assets
G3-02Provisional trusteeanswered conditionallyC033Appointment/security
G3-03Permanent trusteepartialC043Complete §56/current conditions
G3-04Separate professional permissionsboundary answeredC034Actual regulated activities
G3-05Civil-proceedings stayanswered narrowlyC035Exceptions/procedural posture
G3-06Execution stayanswered narrowlyC035Order notice/court directions
G3-07After-acquired propertypartialC036,C040Full exemptions/current law
G3-08Solvent-spouse propertypartialC037Ownership/release evidence
G3-09Secured rightspartial boundaryC038,C050Current §83/security law
G3-10Work/business restrictionspartialC039Occupation/consent facts
G3-11Earnings/necessities/dependantsanswered conditionallyC039Master’s assessment
G3-12Support allowanceanswered conditionallyC041Master consent/estate resources
G3-13Creditors’ proof/participationpartialC042Current meeting/claim procedures
G3-14Money/account/signatory controlsdeferred technical detailC034,C043Current trustee banking rules
G3-15Avoidance gatewaypartial boundaryC044Actual disposition and full statutory elements
G3-16Immediate dischargeanswered negativelyC045Rehabilitation separate
G3-17Ten-year deemed rehabilitationanswered at text boundaryC046Exceptions and actual court history
G3-18Rehabilitation debt effectpartialC047–C048Full §129 and other routes/exceptions
G3-19Master decision reviewpartialC049Current procedure/standing
G3-20Modern financial-sector overlaypartialC050Later commencement/security provisions

Captured table 08

Row · Workflow · Status · 14 data rows

RowWorkflowStatusClaimsMissing facts
G4-01Insolvent/no free-residue assetsadverse branch establishedC006–C012Realisable assets/costs
G4-02Solvent cash-flow distressadverse branch establishedC006Actual balance sheet
G4-03Encumbered propertyconditional modelC007,C009,C038Security/realisation values
G4-04Valuation challengeconditionalC010,C019Appraisal evidence
G4-05Minimal dividendno automatic acceptanceC008,C011,C056Court advantage finding
G4-06Joint estateconditionalC004,C037Marital regime/applicants
G4-07Irregular incomepartialC007,C039–C041Reliable earnings/support evidence
G4-08Notice failurepartialC013–C025Defect/remedy/case authority
G4-09Creditor oppositionpartialC022–C024Current rules and evidence
G4-10Employee/tax noticeconditionalC015–C018Actual persons/address/posting
G4-11Attempted withdrawalconditionalC028–C030Master consent/publication
G4-12Asset control/discharge assumptionboundary answeredC032–C048Actual order/rehabilitation
G4-13Deceased estatepartial boundaryC003,C051Executor/alternative process
G4-14Universal-stay assumptionrejectedC026,C035Specific execution/order facts

Captured table 09

Row · Matter · Status · 6 data rows

RowMatterStatusFinding/claimsExact next action
G5-01P05 D09 surrender partpartial substantive completionC057Resolve listed procedural/currentness gaps
G5-02Other insolvency solutionsdeferredC058Separate focused passes
G5-03Current rules/directivesunresolvedC023,C052–C054Open operative current official bodies
G5-04Unreviewed previous reportsnot adoptedC061Separate coordinator review
G5-05No actual records/actionsconfirmedC060None
G5-06Acceptance/provinces/foreignheldC059,C061Separate jurisdictional and review work

Captured table 10

Row · Deferred family · Exact retained question · 22 data rows

RowDeferred familyExact retained question
D01Compulsory creditor sequestrationWhat applicant standing, provisional/final tests and procedures apply?
D02Magistrates’ Court administration ordersP16 remains unreviewed; no premise adopted.
D03Company liquidationSeparate company/insolvency regime.
D04Business rescueSeparate practitioner, rescue-plan and court process.
D05Full deceased-estate insolvencyExecutor authority and Administration of Estates Act procedure.
D06Full trustee appointment/security policyCurrent appointment policy, certificate, security and challenge mechanisms.
D07Estate banking/client-money technicalitiesAccount title, ownership, signatories, investment, interest and reconciliation.
D08Full secured-asset realisationCurrent §§83 and related priorities, costs, deficiencies and release.
D09Full avoidance lawDisposition type, timing, defences, standing and recovery.
D10All exemptions and protected incomeComplete current property, benefit, pension and support regime.
D11Full rehabilitationEarlier applications, statutory periods, notice, opposition, conditions and exclusions.
D12Private contracts and advisers’ feesActual mandate, services, invoices, cost agreements and consumer remedies.
D13NCA debt review and credit classificationSeparate statutory pathway; P13 unreviewed.
D14PDA/payment-distribution permissionsP06 unreviewed and not applicable by analogy.
D15NCR/NCT enforcementP10 unreviewed; no enforcement premise.
D16Credit reporting and clearanceP15 unreviewed; no automatic reporting outcome.
D17PrescriptionNo interruption, revival or limitation result decided here.
D18Tax and SARS claimsNotice is established; tax priority, return and discharge consequences are not.
D19Maintenance, public and special claimsClassification and priority require separate sources.
D20Foreign law/cross-border assets/recognitionJurisdiction and recognition outside the national gateway remain held.
D21Customary/tribal/local arrangementsNo customary-law or local community-property analysis.
D22Whole parent/country/A066/A097/A098/publication approvalNo acceptance or operational publication clearance follows.

Captured table 11

Province · Status · Exact remaining question · 9 data rows

ProvinceStatusExact remaining question
Eastern CapeUnexamined locallyWhich High Court division/seat, practice directive, filing package, calendar and Master’s office apply?
Free StateUnexamined locallySame division, local forms, valuation practice and hearing inquiry.
GautengUnexamined locallyWhich division/seat and current insolvency practice requirements govern? No local dividend standard is assumed.
KwaZulu-NatalUnexamined locallyCurrent division procedure and final local notice/valuation authorities require primary reading.
LimpopoUnexamined locallyDivision, Master, filing and calendar requirements not checked.
MpumalangaUnexamined locallyDivision, Master, filing and calendar requirements not checked.
Northern CapeUnexamined locallyDivision, Master, filing and calendar requirements not checked.
North WestUnexamined locallyDivision, Master, filing and calendar requirements not checked.
Western CapeUnexamined locallyHistorical §4(5) district wording must be reconciled with current court/Master arrangements.

Captured table 12

Candidate · Supported educational function · Required limit · 7 data rows

CandidateSupported educational functionRequired limit
Voluntary-surrender gateway checklistSeparate actual insolvency, cost-bearing assets, creditor advantage and procedure.Not an eligibility or court-acceptance certificate.
Free-residue worksheetSeparate gross value, security, realisation costs, free residue and concurrent claims.Inputs must be independently supported; no fixed dividend promise.
Notice-event mapDistinguish Gazette/newspaper, creditor, union, employee, SARS and inspection triggers.No live deadlines until current computation rules and local calendar are verified.
Statement-of-affairs evidence checklistAssets, liabilities, valuations, security, claims and supporting affidavits.Not a replacement for the prescribed form or current court bundle.
Publication-versus-order explainerShow limited §5 effects versus broader §20 vesting/stays.No universal pre-order collection freeze.
Surrender-versus-discharge articleExplain that rehabilitation is separate and qualified.Full rehabilitation procedure requires another pass.
Joint-estate decision gateRequire marital-regime and both-spouse analysis.No assumption that every spouse’s asset belongs to the same estate.

Captured table 13

Deliverable · Actual displayed count · 17 data rows

DeliverableActual displayed count
P17 source-register rows22
P17 atomic claims61
G1 core coverage20
G2 core coverage18
G3 core coverage20
G4 workflow coverage14
G5 scope/reconciliation coverage6
Total core coverage78
Deferred-family rows22
Provincial/local rows9
Total coverage/hold rows109
Fictional workflows14
Financial calculation models3
Symbolic timetable model1
Reviewed-gap crosswalk rows8
Opportunity rows7
Actual eligibility, order, dividend or discharge findings0

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Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

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These components repair their stated scope. They do not replace every other finding in this research series.

CZA four bounded consistency repairs →
C_ZA-P17-C001 Saved research record

Act24/1936 commenced 1 July 1936; the Justice compilation is not a complete 2026 consolidation.

Recorded check status: not yet checked

Primary pinpoint
S001 header; S002 metadata
Limit
Later amendments separately qualified
C_ZA-C002 Saved research record

“Debtor” includes the relevant person/estate but excludes bodies capable of company-law liquidation.

Recorded check status: not yet checked

Primary pinpoint
S001 §2, zero P1
Limit
Partnerships/company regimes deferred
C_ZA-C003 Saved research record

Debtor/agent or entrusted administrator of deceased/incapable debtor estate may petition voluntary surrender.

Recorded check status: not yet checked

Primary pinpoint
S001 §3(1), P3
Limit
Authority and estate status required
C_ZA-C004 Saved research record

Both spouses must apply to surrender a community-of-property joint estate.

Recorded check status: not yet checked

Primary pinpoint
S004 §17(4)(a), P4
Limit
Marital regime unknown
C_ZA-C005 Saved research record

Superior-court jurisdiction applies; exact current §149 nexus/proviso was not fully read.

Recorded check status: not yet checked

Primary pinpoint
S001 §2; S007 P2
Limit
Educational jurisdiction summary is not complete primary verification
C_ZA-C006 Saved research record

Court must be satisfied the estate is actually insolvent.

Recorded check status: not yet checked

Primary pinpoint
S001 §6(1), P5
Limit
Cash-flow difficulty alone insufficient
C_ZA-C007 Saved research record

Realisable property must cover all sequestration costs payable from free residue.

Recorded check status: not yet checked

Primary pinpoint
§6(1), P5
Limit
Actual costs/values required
C_ZA-C008 Saved research record

Court must find advantage to creditors and retains discretion to refuse.

Recorded check status: not yet checked

Primary pinpoint
§6(1), P5
Limit
Positive dividend is not the finding
C_ZA-C009 Saved research record

Free residue excludes value subject to specified security preferences.

Recorded check status: not yet checked

Primary pinpoint
§2, P2
Limit
Actual security/priority facts required
C_ZA-C010 Saved research record

Master may require sworn-appraiser/designated valuation.

Recorded check status: not yet checked

Primary pinpoint
§4(4), P4
Limit
Not every self-estimate accepted
C_ZA-C011 Saved research record

No fixed national minimum dividend percentage was established.

Recorded check status: not yet checked

Primary pinpoint
§6(1); source review
Limit
Not proof no relevant local judicial approach exists
C_ZA-C012 Saved research record

Financial model is evidence only and must avoid double-counting costs/security.

Recorded check status: not yet checked

Primary pinpoint
§6 and stated model assumptions
Limit
No appraisal or court approval
C_ZA-C013 Saved research record

Notice substantially Form A goes in Gazette and relevant circulating newspaper.

Recorded check status: not yet checked

Primary pinpoint
§4(1), P3; Form A P76
Limit
Current directive overlay held
C_ZA-C014 Saved research record

Publication window is no more than 30 and no less than 14 days before advertised application.

Recorded check status: not yet checked

Primary pinpoint
§4(1), P3
Limit
Exact endpoint/holiday computation held
C_ZA-C015 Saved research record

Within seven days from Gazette publication, deliver/post copy to known/ascertainable creditors.

Recorded check status: not yet checked

Primary pinpoint
S003 §1, P1
Limit
Address and delivery evidence required
C_ZA-C016 Saved research record

Same seven-day period applies to posting to known registered employee unions.

Recorded check status: not yet checked

Primary pinpoint
S003 §1, P1
Limit
Actual employee/union facts
C_ZA-C017 Saved research record

Employee notice follows accessible-board, gate or door statutory sequence.

Recorded check status: not yet checked

Primary pinpoint
S003 §1, P1
Limit
Constitutional/category qualification not fully verified
C_ZA-C018 Saved research record

Copy must be posted to SARS within the same seven-day period.

Recorded check status: not yet checked

Primary pinpoint
S003 §1, P1
Limit
Not tax clearance/discharge
C_ZA-C019 Saved research record

Duplicate Form B statement with affidavit lodged with Master.

Recorded check status: not yet checked

Primary pinpoint
S001 §4(3), P4
Limit
Current local filing/electronic form held
C_ZA-C020 Saved research record

Additional magistrate-copy rule has geographic predicates and historic exceptions.

Recorded check status: not yet checked

Primary pinpoint
§4(5), P4
Limit
Modern local application unverified
C_ZA-C021 Saved research record

Statement available for 14-day creditor inspection from notice’s stated date.

Recorded check status: not yet checked

Primary pinpoint
§4(6), P4
Limit
Office hours/start date evidence
C_ZA-C022 Saved research record

Court may examine petitioner or another person regarding petition.

Recorded check status: not yet checked

Primary pinpoint
§3(3), P3
Limit
Hearing procedure separate
C_ZA-C023 Saved research record

Current Uniform Rule/Master-report mechanics were not obtained.

Recorded check status: not yet checked

Primary pinpoint
S009 failure
Limit
No report deadline invented
C_ZA-C024 Saved research record

Creditor opposition can test the statutory case; consent/no opposition does not replace §6 satisfaction.

Recorded check status: not yet checked

Primary pinpoint
§§3–6
Limit
Exact opposition rules held
C_ZA-C025 Saved research record

§157 protects against formal defects only within substantial-injustice/remedy qualification.

Recorded check status: not yet checked

Primary pinpoint
§157(1), P75
Limit
Not automatic condonation of every failure
C_ZA-C026 Saved research record

Publication restricts specified attached-property sales, with statutory exceptions.

Recorded check status: not yet checked

Primary pinpoint
§5(1), P4
Limit
Not universal collection stay; sale-authority threshold not certified
C_ZA-C027 Saved research record

Master may appoint curator bonis before surrender outcome.

Recorded check status: not yet checked

Primary pinpoint
§5(2), P4
Limit
Directions/security facts required
C_ZA-C028 Saved research record

Withdrawal requires Master’s written consent and publication of withdrawal/consent.

Recorded check status: not yet checked

Primary pinpoint
§7, P5
Limit
Good faith/good cause predicates
C_ZA-C029 Saved research record

Refusal, proper withdrawal or failure to apply within statutory post-advertised period causes lapse; curator costs may remain.

Recorded check status: not yet checked

Primary pinpoint
§6(2), P5
Limit
No automatic refund
C_ZA-C030 Saved research record

Published-notice failures can constitute an act of insolvency; 14-day lapse rule is not general grace to ignore hearing.

Recorded check status: not yet checked

Primary pinpoint
§8(f), P5
Limit
Compulsory route not researched
C_ZA-C031 Saved research record

Current professional, publication, appraisal and trustee tariffs/adverse-cost outcome were not verified.

Recorded check status: not yet checked

Primary pinpoint
Source limitation
Limit
No fee quote or cost immunity
C_ZA-C032 Saved research record

Sequestration divests estate to Master and then trustee.

Recorded check status: not yet checked

Primary pinpoint
§20(1)(a), P12
Limit
Statutory capacity, not personal beneficial ownership
C_ZA-C033 Saved research record

Master may appoint provisional trustee after order subject to security/directions.

Recorded check status: not yet checked

Primary pinpoint
§18, P10
Limit
Actual appointment absent
C_ZA-C034 Saved research record

Trustee appointment is not supplied by NCR/PDA/collector/ordinary attorney status.

Recorded check status: not yet checked

Primary pinpoint
§§18,20,56
Limit
Other permissions remain separate
C_ZA-C035 Saved research record

Order stays specified civil proceedings until appointment and stays execution subject to court/statutory exceptions.

Recorded check status: not yet checked

Primary pinpoint
§20(1), P12–13
Limit
Not permanent end of all proceedings
C_ZA-C036 Saved research record

Estate can include post-order acquisitions subject to §23.

Recorded check status: not yet checked

Primary pinpoint
§20(2), P13
Limit
Full exemptions deferred
C_ZA-C037 Saved research record

Solvent-spouse property can vest temporarily, subject to statutory release.

Recorded check status: not yet checked

Primary pinpoint
§21, P13–15
Limit
Ownership/marital facts essential
C_ZA-C038 Saved research record

Security rights are not automatically extinguished; §47 preserves specified rights on compliant delivery/proof.

Recorded check status: not yet checked

Primary pinpoint
§47, P28
Limit
Full security/§83 law held
C_ZA-C039 Saved research record

Insolvent may work subject to statutory limits; earnings surplus beyond support needs can be recovered under Master’s assessment.

Recorded check status: not yet checked

Primary pinpoint
§23, P15–16
Limit
No fixed income retention amount
C_ZA-C040 Saved research record

Certain pensions, compensation and other benefits receive qualified treatment.

Recorded check status: not yet checked

Primary pinpoint
§23(7)–(9), P16
Limit
Not exhaustive exemptions list
C_ZA-C041 Saved research record

Trustee may, with Master consent, make pre-second-meeting support allowance.

Recorded check status: not yet checked

Primary pinpoint
§79, P42
Limit
Discretionary, no fixed amount
C_ZA-C042 Saved research record

Creditors must prove claims through statutory process; statement listing is not automatic admission.

Recorded check status: not yet checked

Primary pinpoint
§44, P26
Limit
Full meetings/voting process held
C_ZA-C043 Saved research record

Complete current permanent-trustee appointment/security chain not fully read.

Recorded check status: not yet checked

Primary pinpoint
§56 partial P31; P32 failed
Limit
No certificate/account/signatory finding
C_ZA-C044 Saved research record

Prior dispositions/preferences/collusion may be challenged under distinct statutory predicates.

Recorded check status: not yet checked

Primary pinpoint
§§26,29–31, P17–18
Limit
No automatic avoidance or asset-sheltering advice
C_ZA-C045 Saved research record

Surrender/sequestration does not itself immediately discharge debts.

Recorded check status: not yet checked

Primary pinpoint
§§20,127A,129
Limit
Rehabilitation separate
C_ZA-C046 Saved research record

§127A has a ten-year deemed-rehabilitation rule subject to a contrary court order on timely application.

Recorded check status: not yet checked

Primary pinpoint
§127A, P65
Limit
Full earlier rehabilitation routes held
C_ZA-C047 Saved research record

Rehabilitation generally discharges specified pre-sequestration debts except fraud debts, subject to statutory conditions.

Recorded check status: not yet checked

Primary pinpoint
§129(1), P65
Limit
Not exhaustive exception analysis
C_ZA-C048 Saved research record

Rehabilitation does not necessarily free already vested undistributed property or sureties.

Recorded check status: not yet checked

Primary pinpoint
§129(3), P65
Limit
Continuation not completely read
C_ZA-C049 Saved research record

Aggrieved person has a statutory court-review gateway for Master decisions.

Recorded check status: not yet checked

Primary pinpoint
§151, P73
Limit
Full current procedural rules/appeal held
C_ZA-C050 Saved research record

Later financial-sector amendments affect special institutions/security; §22A amendment commenced 1 June 2023.

Recorded check status: not yet checked

Primary pinpoint
S005 cl1; S006 P0/GG80
Limit
Other later provisions’ commencement/effects held
C_ZA-C051 Saved research record

Deceased-estate §3 standing does not complete the Administration of Estates Act alternative.

Recorded check status: not yet checked

Primary pinpoint
§3(1); S012 failure
Limit
Full deceased-estate route deferred
C_ZA-C052 Saved research record

Unread 2025 Master directive cannot establish replacement of §4 publication duties.

Recorded check status: not yet checked

Primary pinpoint
S010–S011 failures
Limit
No online-only substitution assumed
C_ZA-C053 Saved research record

Notice periods are stated symbolically because complete day/holiday computation was not verified.

Recorded check status: not yet checked

Primary pinpoint
§§4,6; S013–S014
Limit
No actual deadline
C_ZA-C054 Saved research record

No final constitutional/controlling judgment was successfully opened for the employee-notice issue.

Recorded check status: not yet checked

Primary pinpoint
S016–S018
Limit
No ratio or full citator claimed
C_ZA-C055 Saved research record

SCA educational paper is not a controlling judgment or national dividend/cost tariff.

Recorded check status: not yet checked

Primary pinpoint
S007
Limit
Cases quoted there not adopted as freshly read judgments
C_ZA-C056 Saved research record

Numerical examples are hypothetical arithmetic, not court findings or accepted fees.

Recorded check status: not yet checked

Primary pinpoint
§6 plus stipulated inputs
Limit
Values/costs/claims unknown
C_ZA-C057 Saved research record

P05 D09 becomes partially researched for voluntary surrender only.

Recorded check status: not yet checked

Primary pinpoint
C001–C056
Limit
Other statutory solutions held
C_ZA-C058 Saved research record

Full liquidation, rescue, compulsory sequestration and rehabilitation remain deferred.

Recorded check status: not yet checked

Primary pinpoint
Scope boundary
Limit
No substitute report
C_ZA-C059 Saved research record

All nine provincial/divisional/local branches remain unexamined.

Recorded check status: not yet checked

Primary pinpoint
Scope boundary
Limit
National Act not local clearance
C_ZA-C060 Saved research record

No actual applicant, estate, trustee, creditor, property, account or docket was investigated.

Recorded check status: not yet checked

Primary pinpoint
Research-method fact
Limit
Generic public sources only
C_ZA-C061 Saved research record

A066/A097/A098, parent, country and publication acceptance remain held.

Recorded check status: not yet checked

Primary pinpoint
Scope/provenance
Limit
Separate review required

Sources, pinpoints and access limits

Keep the source version, actual read extent and jurisdiction with the proposition. A link or researcher access claim is not a substitute for an operative primary passage.

C_ZA-P17-S001 Saved research record

Department of Justice, Insolvency Act 24 of 1936, amended 96-page compilation. https://www.justice.gov.za/legislation/acts/1936-024.pdf

Recorded check status: not yet checked

Material body actually read / locator
Header/amendments P0; definitions P1–2; §§3–8 P3–5; §18 P10; §§20–23 P12–16; §§25–31 P17–18; §§39,44 P24,26; §47 P28; appointment portions P31; removal P34; §79 P42; §§127A/129 P65; §151 P73; §157 P75; Form A/Form B start P76. Internal printed page = zero index +1 on inspected pages.
Status and limits
Fresh official parsed body and listed page images read. Later section opens and some pages failed. Compilation lists amendments through 2005, not all later amendments. §149, part of §56 and continuation of §129 not fully read.
Direct source URLs
https://www.justice.gov.za/legislation/acts/1936-024.pdf
C_ZA-S002 Saved research record

South African Government, Insolvency Act 24 of 1936 legislative record. https://www.gov.za/documents/insolvency-act-24-jun-1936-0000

Recorded check status: not yet checked

Material body actually read / locator
HTML commencement and amendment list.
Status and limits
Fresh metadata. Commencement 1 July 1936; lists later amendments through Act23/2021. Not operative section text.
Direct source URLs
https://www.gov.za/documents/insolvency-act-24-jun-1936-0000
C_ZA-S003 Saved research record

Parliament/Presidency, Insolvency Second Amendment Act 69 of 2002, GG24285, GoN121. https://www.gov.za/sites/default/files/gcis_document/201409/a69-020.pdf

Recorded check status: not yet checked

Material body actually read / locator
§1 replacing §4(2), zero P1/GG p2; §10 commencement, zero P4/GG p8.
Status and limits
Fresh enacted body; P1 image inspected. Commencement 1 January 2003. Gazette publication 22 January 2003 is not substituted for commencement.
Direct source URLs
https://www.gov.za/sites/default/files/gcis_document/201409/a69-020.pdf
C_ZA-S004 Saved research record

Department of Justice, Matrimonial Property Act 88 of 1984, amended compilation. https://www.justice.gov.za/legislation/acts/1984-088.pdf

Recorded check status: not yet checked

Material body actually read / locator
§17(4)(a), zero P4; printed label unverified.
Status and limits
Fresh body and page image read. Both spouses required for joint-estate surrender. No full matrimonial-property review.
Direct source URLs
https://www.justice.gov.za/legislation/acts/1984-088.pdf
C_ZA-S005 Saved research record

Parliament/Presidency, Financial Sector Laws Amendment Act 23 of 2021, GG45825, notice789. https://www.gov.za/sites/default/files/gcis_document/202203/45825gen789.pdf

Recorded check status: not yet checked

Material body actually read / locator
Clauses 1–3, zero P3/GG p4 and adjacent text: §22A and amendments touching §§35A/83.
Status and limits
Fresh enacted body and P3 image read. Later financial-sector overlay; not a rewrite of §§3–7. Different commencement provisions must be separated.
Direct source URLs
https://www.gov.za/sites/default/files/gcis_document/202203/45825gen789.pdf
C_ZA-S006 Saved research record

Minister of Finance, Commencement of Certain Provisions of Financial Sector Laws Amendment Act, 2021, GN3202, GG48294, 24 March 2023. https://www.gov.za/sites/default/files/gcis_document/202303/48294gon3202.pdf

Recorded check status: not yet checked

Material body actually read / locator
Operative notice, zero P0/GG p80.
Status and limits
Fresh body/image read. Section 1 of Act23/2021 commenced 1 June 2023. The notice does not list sections 2–3 among that group; their full commencement chain remains held.
Direct source URLs
https://www.gov.za/sites/default/files/gcis_document/202303/48294gon3202.pdf
C_ZA-S007 Saved research record

Supreme Court of Appeal, Justice V. Ponnan, Insolvency Law, SAJEI educational paper. https://www.supremecourtofappeal.org.za/index.php/speeches-and-conferences/category/14-conference-papers?download=107%3Ainsolvency-law

Recorded check status: not yet checked

Material body actually read / locator
Jurisdiction summary zero P2/internal p3; voluntary-surrender discussion P24–P31/internal pp25–32; P24 image inspected.
Status and limits
Fresh judicial educational commentary, not a judgment. Used to locate unresolved authorities, not as a binding national tariff/dividend test.
Direct source URLs
https://www.supremecourtofappeal.org.za/index.php/speeches-and-conferences/category/14-conference-papers?download=107%3Ainsolvency-law
C_ZA-S008 Saved research record

SARS, Personal Income Tax: Insolvency. https://www.sars.gov.za/types-of-tax/personal-income-tax/pit-insolvency/

Recorded check status: not yet checked

Material body actually read / locator
HTML description of actual insolvency, sequestration and deceased-estate distinctions.
Status and limits
Fresh official guidance. Tax treatment and full deceased-estate procedure not researched.
Direct source URLs
https://www.sars.gov.za/types-of-tax/personal-income-tax/pit-insolvency/
C_ZA-S009 Saved research record

Justice, Uniform Rules of Court, official hosted compilation. https://www.justice.gov.za/legislation/rules/Uniform-Rules-of-Court-GG999-GNR48-19650112-SAFLII.pdf

Recorded check status: not yet checked

Material body actually read / locator
No substantive body obtained.
Status and limits
Failed current procedural candidate. Timeout. No rule 6 or Master-report deadline is asserted from it.
Direct source URLs
https://www.justice.gov.za/legislation/rules/Uniform-Rules-of-Court-GG999-GNR48-19650112-SAFLII.pdf
C_ZA-S010 Saved research record

Chief Master, Directive 1 of 2025, online advertisement/publication material. https://www.justice.gov.za/master/m_docs/2025-01_CHM-directive.pdf

Recorded check status: not yet checked

Material body actually read / locator
No substantive body obtained.
Status and limits
Failed candidate. Search metadata cannot prove replacement of §4 Gazette/newspaper publication.
Direct source URLs
https://www.justice.gov.za/master/m_docs/2025-01_CHM-directive.pdf
C_ZA-S011 Saved research record

Chief Master, Directives index. https://www.justice.gov.za/master/directives.html

Recorded check status: not yet checked

Material body actually read / locator
No substantive body obtained.
Status and limits
Failed official alternate/index. No complete directive-currentness claim.
Direct source URLs
https://www.justice.gov.za/master/directives.html
C_ZA-S012 Saved research record

Department of Justice, Administration of Estates Act 66 of 1965. https://www.justice.gov.za/legislation/acts/1965-066%20admin%20estates.pdf

Recorded check status: not yet checked

Material body actually read / locator
No substantive body obtained.
Status and limits
Failed deceased-estate boundary candidate. No §34 procedure adopted.
Direct source URLs
https://www.justice.gov.za/legislation/acts/1965-066%20admin%20estates.pdf
C_ZA-S013 Saved research record

Department of Justice, Interpretation Act 33 of 1957. https://www.justice.gov.za/legislation/acts/1957-033.pdf

Recorded check status: not yet checked

Material body actually read / locator
No substantive body obtained.
Status and limits
Failed time-computation source. No general holiday or endpoint rule inferred.
Direct source URLs
https://www.justice.gov.za/legislation/acts/1957-033.pdf
C_ZA-S014 Saved research record

South African Government, Interpretation Act legislative record. https://www.gov.za/documents/interpretation-act-24-may-1957-0000

Recorded check status: not yet checked

Material body actually read / locator
HTML record opened; linked statutory file failed.
Status and limits
Metadata only. Does not resolve exact surrender notice computation.
Direct source URLs
https://www.gov.za/documents/interpretation-act-24-may-1957-0000
C_ZA-S015 Saved research record

Government Gazette, original Insolvency Act 24 of 1936. https://www.gov.za/sites/default/files/gcis_document/201505/act24of1936s.pdf

Recorded check status: not yet checked

Material body actually read / locator
No body obtained; file exceeded retrieval size limit.
Status and limits
Failed official original-law alternate. No original-page claim.
Direct source URLs
https://www.gov.za/sites/default/files/gcis_document/201505/act24of1936s.pdf
C_ZA-S016 Saved research record

Constitutional Court, catalogue for Stratford and Others v Investec Bank Limited and Others [2014] ZACC38. https://collections.concourt.org.za/items/5028100e-ca2d-47df-b0e7-430c1c20db3d

Recorded check status: not yet checked

Material body actually read / locator
Catalogue citation/status information only.
Status and limits
Fresh official metadata. Final judgment body not obtained; no ratio, majority holding or current citator conclusion adopted.
Direct source URLs
https://collections.concourt.org.za/items/5028100e-ca2d-47df-b0e7-430c1c20db3d
C_ZA-S017 Saved research record

Constitutional Court, historical link to official final judgment in [2014] ZACC38. https://collections.concourt.org.za/bitstream/handle/20.500.12144/3759/Full%20judgment%20Official%20version%20%28268%20Kb%29-22515.pdf?sequence=14&isAllowed=y

Recorded check status: not yet checked

Material body actually read / locator
No body obtained; 404 response.
Status and limits
Failed final-opinion candidate. Employee-notice/constitutional qualification remains unresolved.
Direct source URLs
https://collections.concourt.org.za/bitstream/handle/20.500.12144/3759/Full%20judgment%20Official%20version%20%28268%20Kb%29-22515.pdf?sequence=14&isAllowed=y
C_ZA-S018 Saved research record

Constitutional Court, pre-hearing media summary associated with the same litigation. https://collections.concourt.org.za/bitstreams/7c2897cc-304c-4c51-95ea-b1a38519f463/download

Recorded check status: not yet checked

Material body actually read / locator
Two-page pre-hearing summary.
Status and limits
Fresh document identified, excluded as final merits authority. Not relied on for legal holding.
Direct source URLs
https://collections.concourt.org.za/bitstreams/7c2897cc-304c-4c51-95ea-b1a38519f463/download
C_ZA-S019 Saved research record

SAFLII, Insolvency Act consolidation. https://www.saflii.org/za/legis/consol_act/ia1936149/

Recorded check status: not yet checked

Material body actually read / locator
No body obtained; access denied.
Status and limits
Failed public alternate. No statutory claim rests on it.
Direct source URLs
https://www.saflii.org/za/legis/consol_act/ia1936149/
C_ZA-S020 Saved research record

LawLibrary, Insolvency Act 24 of 1936. https://lawlibrary.org.za/akn/za/act/1936/24

Recorded check status: not yet checked

Material body actually read / locator
No body obtained; access denied.
Status and limits
Failed public alternate. No body or currentness claim.
Direct source URLs
https://lawlibrary.org.za/akn/za/act/1936/24
C_ZA-S021 Saved research record

South African Government, Financial Matters Amendment Act 18 of 2019 legislative page. https://www.gov.za/documents/acts/financial-matters-amendment-act-18-2019-english-afrikaans-23-may-2019

Recorded check status: not yet checked

Material body actually read / locator
Amendment identity surfaced; substantive body not obtained.
Status and limits
Unresolved later-amendment candidate. Detailed secured-asset effects remain held.
Direct source URLs
https://www.gov.za/documents/acts/financial-matters-amendment-act-18-2019-english-afrikaans-23-may-2019
C_ZA-S022 Saved research record

Department of Justice, Master: Insolvency. https://www.justice.gov.za/master/insolvency.html

Recorded check status: not yet checked

Material body actually read / locator
No substantive body obtained.
Status and limits
Failed guidance candidate. No service procedure or absence finding inferred.
Direct source URLs
https://www.justice.gov.za/master/insolvency.html

What was examined—and what is still missing

The saved component-level coverage record keeps answered, partial, blank and unresolved branches distinct. A coverage label is not acceptance of a whole subject or jurisdiction.

coverage-1 Saved research record

G1-01 Act identity/commencement

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-01
Subquestion
Act identity/commencement
Status
answered historically
Finding/claims
C001
Missing evidence / next action
Later amendment chain separately qualified

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-2 Saved research record

G1-02 Complete current consolidation

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-02
Subquestion
Complete current consolidation
Status
partial-currentness
Finding/claims
C001,C050
Missing evidence / next action
Read all later material amendments/commencements

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-3 Saved research record

G1-03 Debtor/estate definition

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-03
Subquestion
Debtor/estate definition
Status
answered
Finding/claims
C002
Missing evidence / next action
Actual entity/estate facts

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-4 Saved research record

G1-04 Natural-person applicant

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-04
Subquestion
Natural-person applicant
Status
answered
Finding/claims
C003
Missing evidence / next action
Actual authority/status

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-5 Saved research record

G1-05 Agent applicant

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-05
Subquestion
Agent applicant
Status
partial
Finding/claims
C003
Missing evidence / next action
Mandate and procedural proof

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-6 Saved research record

G1-06 Incapable debtor estate

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-06
Subquestion
Incapable debtor estate
Status
partial
Finding/claims
C003
Missing evidence / next action
Entrusted-administrator authority

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-7 Saved research record

G1-07 Deceased estate

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-07
Subquestion
Deceased estate
Status
partial boundary
Finding/claims
C003,C051
Missing evidence / next action
Administration of Estates Act route

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-8 Saved research record

G1-08 Joint community estate

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-08
Subquestion
Joint community estate
Status
answered conditionally
Finding/claims
C004
Missing evidence / next action
Both spouses/marital regime

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-9 Saved research record

G1-09 High Court versus Magistrates’ Court

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-09
Subquestion
High Court versus Magistrates’ Court
Status
answered at institutional level
Finding/claims
C005
Missing evidence / next action
Actual division

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-10 Saved research record

G1-10 Domicile/residence/business/property nexus

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-10
Subquestion
Domicile/residence/business/property nexus
Status
partial
Finding/claims
C005
Missing evidence / next action
Read current §149 and provisos

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-11 Saved research record

G1-11 Local venue/transfer

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-11
Subquestion
Local venue/transfer
Status
unresolved
Finding/claims
C005,C059
Missing evidence / next action
Division rules/current jurisdiction text

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-12 Saved research record

G1-12 Actual insolvency

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-12
Subquestion
Actual insolvency
Status
answered at statutory level
Finding/claims
C006
Missing evidence / next action
Full liabilities/values

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-13 Saved research record

G1-13 Cash-flow distress alone

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-13
Subquestion
Cash-flow distress alone
Status
answered negatively
Finding/claims
C006
Missing evidence / next action
Actual estate balance

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-14 Saved research record

G1-14 Cost-bearing property

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-14
Subquestion
Cost-bearing property
Status
answered
Finding/claims
C007
Missing evidence / next action
Realisation and cost evidence

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-15 Saved research record

G1-15 Free residue

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-15
Subquestion
Free residue
Status
answered
Finding/claims
C009
Missing evidence / next action
Actual security/priorities

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-16 Saved research record

G1-16 Advantage to creditors

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-16
Subquestion
Advantage to creditors
Status
answered at statutory level
Finding/claims
C008
Missing evidence / next action
Evidential assessment by court

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-17 Saved research record

G1-17 Minimum dividend

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-17
Subquestion
Minimum dividend
Status
no fixed rule established
Finding/claims
C011,C055
Missing evidence / next action
Any applicable controlling/local decision

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-18 Saved research record

G1-18 Court discretion

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-18
Subquestion
Court discretion
Status
answered
Finding/claims
C008
Missing evidence / next action
Actual application

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-19 Saved research record

G1-19 Valuation requirement

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-19
Subquestion
Valuation requirement
Status
answered conditionally
Finding/claims
C010
Missing evidence / next action
Appraiser/report/assumptions

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-20 Saved research record

G1-20 Current cost/tariff amounts

Recorded check status: recorded; no individual primary acceptance inferred

Row
G1-20
Subquestion
Current cost/tariff amounts
Status
unresolved
Finding/claims
C031
Missing evidence / next action
Current tariff and actual allowed costs

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-21 Saved research record

G2-01 Form A notice

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-01
Subquestion
Form A notice
Status
answered
Finding/claims
C013
Missing evidence / next action
Current local submission format

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-22 Saved research record

G2-02 Gazette and newspaper

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-02
Subquestion
Gazette and newspaper
Status
answered
Finding/claims
C013
Missing evidence / next action
Publication proof/circulation

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-23 Saved research record

G2-03 14–30-day window

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-03
Subquestion
14–30-day window
Status
answered textually
Finding/claims
C014
Missing evidence / next action
Exact calendar computation

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-24 Saved research record

G2-04 Creditor notice

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-04
Subquestion
Creditor notice
Status
answered
Finding/claims
C015
Missing evidence / next action
Address and delivery records

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-25 Saved research record

G2-05 Union notice

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-05
Subquestion
Union notice
Status
answered conditionally
Finding/claims
C016
Missing evidence / next action
Employee/union facts

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-26 Saved research record

G2-06 Employee display notice

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-06
Subquestion
Employee display notice
Status
answered textually
Finding/claims
C017
Missing evidence / next action
Constitutional/local qualification

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-27 Saved research record

G2-07 SARS notice

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-07
Subquestion
SARS notice
Status
answered
Finding/claims
C018
Missing evidence / next action
Posting proof

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-28 Saved research record

G2-08 Form B statement/affidavit

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-08
Subquestion
Form B statement/affidavit
Status
answered
Finding/claims
C019
Missing evidence / next action
Current form and true financial facts

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-29 Saved research record

G2-09 Additional magistrate copy

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-09
Subquestion
Additional magistrate copy
Status
partial
Finding/claims
C020
Missing evidence / next action
Modern local exceptions/practice

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-30 Saved research record

G2-10 Fourteen-day inspection

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-10
Subquestion
Fourteen-day inspection
Status
answered textually
Finding/claims
C021
Missing evidence / next action
Notice start/office proof

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-31 Saved research record

G2-11 Master report

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-11
Subquestion
Master report
Status
unresolved
Finding/claims
C023
Missing evidence / next action
Current Uniform Rule and practice

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-32 Saved research record

G2-12 Court examination

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-12
Subquestion
Court examination
Status
answered
Finding/claims
C022
Missing evidence / next action
Hearing evidence

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-33 Saved research record

G2-13 Creditor opposition

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-13
Subquestion
Creditor opposition
Status
partial
Finding/claims
C024
Missing evidence / next action
Current filing/opposition rules

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-34 Saved research record

G2-14 Notice defect/condonation

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-14
Subquestion
Notice defect/condonation
Status
partial
Finding/claims
C025,C054
Missing evidence / next action
Final controlling judgments/local rules

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-35 Saved research record

G2-15 Pre-order sale restriction

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-15
Subquestion
Pre-order sale restriction
Status
answered narrowly
Finding/claims
C026
Missing evidence / next action
Exceptions and current authority limits

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-36 Saved research record

G2-16 Curator bonis

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-16
Subquestion
Curator bonis
Status
answered conditionally
Finding/claims
C027
Missing evidence / next action
Appointment/directions

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-37 Saved research record

G2-17 Withdrawal

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-17
Subquestion
Withdrawal
Status
answered
Finding/claims
C028
Missing evidence / next action
Written consent/publication

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-38 Saved research record

G2-18 Lapse/adverse acts/costs

Recorded check status: recorded; no individual primary acceptance inferred

Row
G2-18
Subquestion
Lapse/adverse acts/costs
Status
answered at gateway level
Finding/claims
C029–C031
Missing evidence / next action
Actual chronology/order/costs

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-39 Saved research record

G3-01 Divestment/vesting

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-01
Subquestion
Divestment/vesting
Status
answered
Finding/claims
C032
Missing evidence / next action
Actual order/assets

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-40 Saved research record

G3-02 Provisional trustee

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-02
Subquestion
Provisional trustee
Status
answered conditionally
Finding/claims
C033
Missing evidence / next action
Appointment/security

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-41 Saved research record

G3-03 Permanent trustee

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-03
Subquestion
Permanent trustee
Status
partial
Finding/claims
C043
Missing evidence / next action
Complete §56/current conditions

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-42 Saved research record

G3-04 Separate professional permissions

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-04
Subquestion
Separate professional permissions
Status
boundary answered
Finding/claims
C034
Missing evidence / next action
Actual regulated activities

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-43 Saved research record

G3-05 Civil-proceedings stay

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-05
Subquestion
Civil-proceedings stay
Status
answered narrowly
Finding/claims
C035
Missing evidence / next action
Exceptions/procedural posture

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-44 Saved research record

G3-06 Execution stay

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-06
Subquestion
Execution stay
Status
answered narrowly
Finding/claims
C035
Missing evidence / next action
Order notice/court directions

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-45 Saved research record

G3-07 After-acquired property

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-07
Subquestion
After-acquired property
Status
partial
Finding/claims
C036,C040
Missing evidence / next action
Full exemptions/current law

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-46 Saved research record

G3-08 Solvent-spouse property

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-08
Subquestion
Solvent-spouse property
Status
partial
Finding/claims
C037
Missing evidence / next action
Ownership/release evidence

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-47 Saved research record

G3-09 Secured rights

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-09
Subquestion
Secured rights
Status
partial boundary
Finding/claims
C038,C050
Missing evidence / next action
Current §83/security law

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-48 Saved research record

G3-10 Work/business restrictions

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-10
Subquestion
Work/business restrictions
Status
partial
Finding/claims
C039
Missing evidence / next action
Occupation/consent facts

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-49 Saved research record

G3-11 Earnings/necessities/dependants

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-11
Subquestion
Earnings/necessities/dependants
Status
answered conditionally
Finding/claims
C039
Missing evidence / next action
Master’s assessment

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-50 Saved research record

G3-12 Support allowance

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-12
Subquestion
Support allowance
Status
answered conditionally
Finding/claims
C041
Missing evidence / next action
Master consent/estate resources

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-51 Saved research record

G3-13 Creditors’ proof/participation

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-13
Subquestion
Creditors’ proof/participation
Status
partial
Finding/claims
C042
Missing evidence / next action
Current meeting/claim procedures

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-52 Saved research record

G3-14 Money/account/signatory controls

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-14
Subquestion
Money/account/signatory controls
Status
deferred technical detail
Finding/claims
C034,C043
Missing evidence / next action
Current trustee banking rules

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-53 Saved research record

G3-15 Avoidance gateway

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-15
Subquestion
Avoidance gateway
Status
partial boundary
Finding/claims
C044
Missing evidence / next action
Actual disposition and full statutory elements

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-54 Saved research record

G3-16 Immediate discharge

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-16
Subquestion
Immediate discharge
Status
answered negatively
Finding/claims
C045
Missing evidence / next action
Rehabilitation separate

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-55 Saved research record

G3-17 Ten-year deemed rehabilitation

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-17
Subquestion
Ten-year deemed rehabilitation
Status
answered at text boundary
Finding/claims
C046
Missing evidence / next action
Exceptions and actual court history

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-56 Saved research record

G3-18 Rehabilitation debt effect

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-18
Subquestion
Rehabilitation debt effect
Status
partial
Finding/claims
C047–C048
Missing evidence / next action
Full §129 and other routes/exceptions

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-57 Saved research record

G3-19 Master decision review

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-19
Subquestion
Master decision review
Status
partial
Finding/claims
C049
Missing evidence / next action
Current procedure/standing

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-58 Saved research record

G3-20 Modern financial-sector overlay

Recorded check status: recorded; no individual primary acceptance inferred

Row
G3-20
Subquestion
Modern financial-sector overlay
Status
partial
Finding/claims
C050
Missing evidence / next action
Later commencement/security provisions

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-59 Saved research record

G4-01 Insolvent/no free-residue assets

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-01
Workflow
Insolvent/no free-residue assets
Status
adverse branch established
Claims
C006–C012
Missing facts
Realisable assets/costs

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-60 Saved research record

G4-02 Solvent cash-flow distress

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-02
Workflow
Solvent cash-flow distress
Status
adverse branch established
Claims
C006
Missing facts
Actual balance sheet

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-61 Saved research record

G4-03 Encumbered property

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-03
Workflow
Encumbered property
Status
conditional model
Claims
C007,C009,C038
Missing facts
Security/realisation values

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-62 Saved research record

G4-04 Valuation challenge

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-04
Workflow
Valuation challenge
Status
conditional
Claims
C010,C019
Missing facts
Appraisal evidence

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-63 Saved research record

G4-05 Minimal dividend

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-05
Workflow
Minimal dividend
Status
no automatic acceptance
Claims
C008,C011,C056
Missing facts
Court advantage finding

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-64 Saved research record

G4-06 Joint estate

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-06
Workflow
Joint estate
Status
conditional
Claims
C004,C037
Missing facts
Marital regime/applicants

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-65 Saved research record

G4-07 Irregular income

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-07
Workflow
Irregular income
Status
partial
Claims
C007,C039–C041
Missing facts
Reliable earnings/support evidence

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-66 Saved research record

G4-08 Notice failure

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-08
Workflow
Notice failure
Status
partial
Claims
C013–C025
Missing facts
Defect/remedy/case authority

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-67 Saved research record

G4-09 Creditor opposition

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-09
Workflow
Creditor opposition
Status
partial
Claims
C022–C024
Missing facts
Current rules and evidence

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-68 Saved research record

G4-10 Employee/tax notice

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-10
Workflow
Employee/tax notice
Status
conditional
Claims
C015–C018
Missing facts
Actual persons/address/posting

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-69 Saved research record

G4-11 Attempted withdrawal

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-11
Workflow
Attempted withdrawal
Status
conditional
Claims
C028–C030
Missing facts
Master consent/publication

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-70 Saved research record

G4-12 Asset control/discharge assumption

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-12
Workflow
Asset control/discharge assumption
Status
boundary answered
Claims
C032–C048
Missing facts
Actual order/rehabilitation

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-71 Saved research record

G4-13 Deceased estate

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-13
Workflow
Deceased estate
Status
partial boundary
Claims
C003,C051
Missing facts
Executor/alternative process

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-72 Saved research record

G4-14 Universal-stay assumption

Recorded check status: recorded; no individual primary acceptance inferred

Row
G4-14
Workflow
Universal-stay assumption
Status
rejected
Claims
C026,C035
Missing facts
Specific execution/order facts

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-73 Saved research record

G5-01 P05 D09 surrender part

Recorded check status: recorded; no individual primary acceptance inferred

Row
G5-01
Matter
P05 D09 surrender part
Status
partial substantive completion
Finding/claims
C057
Exact next action
Resolve listed procedural/currentness gaps

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-74 Saved research record

G5-02 Other insolvency solutions

Recorded check status: recorded; no individual primary acceptance inferred

Row
G5-02
Matter
Other insolvency solutions
Status
deferred
Finding/claims
C058
Exact next action
Separate focused passes

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-75 Saved research record

G5-03 Current rules/directives

Recorded check status: recorded; no individual primary acceptance inferred

Row
G5-03
Matter
Current rules/directives
Status
unresolved
Finding/claims
C023,C052–C054
Exact next action
Open operative current official bodies

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-76 Saved research record

G5-04 Unreviewed previous reports

Recorded check status: recorded; no individual primary acceptance inferred

Row
G5-04
Matter
Unreviewed previous reports
Status
not adopted
Finding/claims
C061
Exact next action
Separate coordinator review

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-77 Saved research record

G5-05 No actual records/actions

Recorded check status: recorded; no individual primary acceptance inferred

Row
G5-05
Matter
No actual records/actions
Status
confirmed
Finding/claims
C060
Exact next action
None

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-78 Saved research record

G5-06 Acceptance/provinces/foreign

Recorded check status: recorded; no individual primary acceptance inferred

Row
G5-06
Matter
Acceptance/provinces/foreign
Status
held
Finding/claims
C059,C061
Exact next action
Separate jurisdictional and review work

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-79 Saved research record

D01 Compulsory creditor sequestration

Recorded check status: recorded; no individual primary acceptance inferred

Row
D01
Deferred family
Compulsory creditor sequestration
Exact retained question
What applicant standing, provisional/final tests and procedures apply?

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-80 Saved research record

D02 Magistrates’ Court administration orders

Recorded check status: recorded; no individual primary acceptance inferred

Row
D02
Deferred family
Magistrates’ Court administration orders
Exact retained question
P16 remains unreviewed; no premise adopted.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-81 Saved research record

D03 Company liquidation

Recorded check status: recorded; no individual primary acceptance inferred

Row
D03
Deferred family
Company liquidation
Exact retained question
Separate company/insolvency regime.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-82 Saved research record

D04 Business rescue

Recorded check status: recorded; no individual primary acceptance inferred

Row
D04
Deferred family
Business rescue
Exact retained question
Separate practitioner, rescue-plan and court process.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-83 Saved research record

D05 Full deceased-estate insolvency

Recorded check status: recorded; no individual primary acceptance inferred

Row
D05
Deferred family
Full deceased-estate insolvency
Exact retained question
Executor authority and Administration of Estates Act procedure.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-84 Saved research record

D06 Full trustee appointment/security policy

Recorded check status: recorded; no individual primary acceptance inferred

Row
D06
Deferred family
Full trustee appointment/security policy
Exact retained question
Current appointment policy, certificate, security and challenge mechanisms.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-85 Saved research record

D07 Estate banking/client-money technicalities

Recorded check status: recorded; no individual primary acceptance inferred

Row
D07
Deferred family
Estate banking/client-money technicalities
Exact retained question
Account title, ownership, signatories, investment, interest and reconciliation.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-86 Saved research record

D08 Full secured-asset realisation

Recorded check status: recorded; no individual primary acceptance inferred

Row
D08
Deferred family
Full secured-asset realisation
Exact retained question
Current §§83 and related priorities, costs, deficiencies and release.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-87 Saved research record

D09 Full avoidance law

Recorded check status: recorded; no individual primary acceptance inferred

Row
D09
Deferred family
Full avoidance law
Exact retained question
Disposition type, timing, defences, standing and recovery.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-88 Saved research record

D10 All exemptions and protected income

Recorded check status: recorded; no individual primary acceptance inferred

Row
D10
Deferred family
All exemptions and protected income
Exact retained question
Complete current property, benefit, pension and support regime.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-89 Saved research record

D11 Full rehabilitation

Recorded check status: recorded; no individual primary acceptance inferred

Row
D11
Deferred family
Full rehabilitation
Exact retained question
Earlier applications, statutory periods, notice, opposition, conditions and exclusions.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-90 Saved research record

D12 Private contracts and advisers’ fees

Recorded check status: recorded; no individual primary acceptance inferred

Row
D12
Deferred family
Private contracts and advisers’ fees
Exact retained question
Actual mandate, services, invoices, cost agreements and consumer remedies.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-91 Saved research record

D13 NCA debt review and credit classification

Recorded check status: recorded; no individual primary acceptance inferred

Row
D13
Deferred family
NCA debt review and credit classification
Exact retained question
Separate statutory pathway; P13 unreviewed.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-92 Saved research record

D14 PDA/payment-distribution permissions

Recorded check status: recorded; no individual primary acceptance inferred

Row
D14
Deferred family
PDA/payment-distribution permissions
Exact retained question
P06 unreviewed and not applicable by analogy.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-93 Saved research record

D15 NCR/NCT enforcement

Recorded check status: recorded; no individual primary acceptance inferred

Row
D15
Deferred family
NCR/NCT enforcement
Exact retained question
P10 unreviewed; no enforcement premise.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-94 Saved research record

D16 Credit reporting and clearance

Recorded check status: recorded; no individual primary acceptance inferred

Row
D16
Deferred family
Credit reporting and clearance
Exact retained question
P15 unreviewed; no automatic reporting outcome.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-95 Saved research record

D17 Prescription

Recorded check status: recorded; no individual primary acceptance inferred

Row
D17
Deferred family
Prescription
Exact retained question
No interruption, revival or limitation result decided here.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-96 Saved research record

D18 Tax and SARS claims

Recorded check status: recorded; no individual primary acceptance inferred

Row
D18
Deferred family
Tax and SARS claims
Exact retained question
Notice is established; tax priority, return and discharge consequences are not.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-97 Saved research record

D19 Maintenance, public and special claims

Recorded check status: recorded; no individual primary acceptance inferred

Row
D19
Deferred family
Maintenance, public and special claims
Exact retained question
Classification and priority require separate sources.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-98 Saved research record

D20 Foreign law/cross-border assets/recognition

Recorded check status: recorded; no individual primary acceptance inferred

Row
D20
Deferred family
Foreign law/cross-border assets/recognition
Exact retained question
Jurisdiction and recognition outside the national gateway remain held.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-99 Saved research record

D21 Customary/tribal/local arrangements

Recorded check status: recorded; no individual primary acceptance inferred

Row
D21
Deferred family
Customary/tribal/local arrangements
Exact retained question
No customary-law or local community-property analysis.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-100 Saved research record

D22 Whole parent/country/A066/A097/A098/publication approval

Recorded check status: recorded; no individual primary acceptance inferred

Row
D22
Deferred family
Whole parent/country/A066/A097/A098/publication approval
Exact retained question
No acceptance or operational publication clearance follows.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-101 Saved research record

Eastern Cape Unexamined locally

Recorded check status: recorded; no individual primary acceptance inferred

Province
Eastern Cape
Status
Unexamined locally
Exact remaining question
Which High Court division/seat, practice directive, filing package, calendar and Master’s office apply?

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-102 Saved research record

Free State Unexamined locally

Recorded check status: recorded; no individual primary acceptance inferred

Province
Free State
Status
Unexamined locally
Exact remaining question
Same division, local forms, valuation practice and hearing inquiry.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-103 Saved research record

Gauteng Unexamined locally

Recorded check status: recorded; no individual primary acceptance inferred

Province
Gauteng
Status
Unexamined locally
Exact remaining question
Which division/seat and current insolvency practice requirements govern? No local dividend standard is assumed.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-104 Saved research record

KwaZulu-Natal Unexamined locally

Recorded check status: recorded; no individual primary acceptance inferred

Province
KwaZulu-Natal
Status
Unexamined locally
Exact remaining question
Current division procedure and final local notice/valuation authorities require primary reading.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-105 Saved research record

Limpopo Unexamined locally

Recorded check status: recorded; no individual primary acceptance inferred

Province
Limpopo
Status
Unexamined locally
Exact remaining question
Division, Master, filing and calendar requirements not checked.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-106 Saved research record

Mpumalanga Unexamined locally

Recorded check status: recorded; no individual primary acceptance inferred

Province
Mpumalanga
Status
Unexamined locally
Exact remaining question
Division, Master, filing and calendar requirements not checked.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-107 Saved research record

Northern Cape Unexamined locally

Recorded check status: recorded; no individual primary acceptance inferred

Province
Northern Cape
Status
Unexamined locally
Exact remaining question
Division, Master, filing and calendar requirements not checked.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-108 Saved research record

North West Unexamined locally

Recorded check status: recorded; no individual primary acceptance inferred

Province
North West
Status
Unexamined locally
Exact remaining question
Division, Master, filing and calendar requirements not checked.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued
coverage-109 Saved research record

Western Cape Unexamined locally

Recorded check status: recorded; no individual primary acceptance inferred

Province
Western Cape
Status
Unexamined locally
Exact remaining question
Historical §4(5) district wording must be reconciled with current court/Master arrangements.

Recorded coordinator check boundaries

coordinator acceptance
not_accepted;first_review_queued

Corrections, review and scope

Read the evidence with its boundaries. These are saved research components, including revisions. A scoped coordinator review checks selected evidence; it does not certify every claim, a complete jurisdiction, current law or individual applicability. Dates and access limits remain attached to the records.

How to read the research →

No currently queued material correction is mapped to this component. This does not remove its currentness, access, jurisdiction or application limits.

Recorded review disposition

whole answer math counts and selected primary checked;coreActbody not freshly confirmed;material currentness procedure authority holds retained

Other components in this research series

C_ZApass-01

CZA South Africa

Inside: 1. Principal findings · 1.1 South Africa has distinct legal categories that must not be combined · 1.3 Publication holds already established

21 tables57 claim records37 source recordsScoped review · limits applyCaptured 2026-10-26
C_ZApass-02

CZA South Africa

Inside: Focused finding: 2019 debt-intervention commencement and implementation · Verification window and result · G1 — Enactment, commencement and transitional status

12 tables25 claim records16 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-03

CZA South Africa

Inside: Narrow correction: §87A suspension duration · 1. Finding and exact replacement sentence · 2. Narrow statutory reading

6 tables11 claim records2 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-05

South Africa: continuation of consumer debt-counseling fee research

Inside: C_ZA PASS-05 — continuation from the preserved P04 stopping point · 7. Controlling authority: the crucial distinction is statutory prescription versus NCR guidance · 8. Recovered 2018 fee cells and exact stage conditions

9 tables38 claim records16 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-06

CZA South Africa

Inside: Ordinary NCA debt-review payment-distribution agents: client money, trust accounts and reconciliation · G1. Registration and who may control the money · G2. What the enacted client-money requirements say

18 tables50 claim records13 source recordsCorrections to readCaptured 2026-10-27
C_ZApass-07

CZA South Africa

Inside: Ordinary NCA debt-counsellor fees: currentness, incorporation and final-adoption chain · G1.1 What Circular 01 adds to the P05 finding · G1.2 What Circular 01 does not establish

18 tables38 claim records24 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-08

CZA South Africa

Inside: General consumer-service contract, disclosure, cancellation and refund gateway · G1.1 The hypothetical service may be a CPA “service” · G1.3 Natural consumers, juristic consumers and business purpose

14 tables60 claim records14 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-09

CZA four bounded consistency repairs

Inside: Repair 1 — aftercare source linkage · Replacement for C_ZA-P07-C021 · Repair 2 — exact 2025/26 annual-report gap reference

14 tables6 claim records6 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-10

CZA South Africa

Inside: Generic NCR consumer complaint, investigation and public-enforcement/NCT gateway for ordinary debt-counselling conduct · Focused disposition · G1.1 Who may complain

16 tables95 claim records14 source recordsCorrections to readCaptured 2026-10-27
C_ZApass-11

CZA South Africa

Inside: Three bounded qualification and traceability repairs to reviewed P08 · Focused disposition · R1 — CPA §14(1): both parties must be juristic persons

14 tables7 claim records2 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-12

CZA South Africa

Inside: Ordinary unsecured private consumer-debt prescription gateway · Principal disposition · G1.1 Current statutory architecture and currentness

16 tables64 claim records16 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-13

CZA South Africa

Inside: NCA agreement, applicability and debt-type classification gateway · Principal disposition · G1.1 Source edition, amendment and commencement

15 tables68 claim records12 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-14

CZA South Africa

Inside: Three bounded repairs to P12, plus count and link consistency · Focused disposition · Replacement for P12 G2.2 — acknowledgment during negotiations

13 tables7 claim records5 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-15

CZA South Africa

Inside: National credit-reporting, debt-review clearance and correction gateway · Principal disposition · G1.1 Source chain and currentness

16 tables72 claim records13 source recordsCorrections to readCaptured 2026-10-27
C_ZApass-16

CZA South Africa

Inside: Narrow Magistrates’ Court administration-order gateway · Principal disposition · G1.1 Current statute and source limitations

17 tables98 claim records20 source recordsCorrections to readCaptured 2026-10-27
C_ZApass-18

CZA South Africa

Inside: Creditor-initiated sequestration of a natural person: application, provisional order and final-order gateway · Principal findings · Primary anchors

18 tables65 claim records27 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-19

CZA South Africa

Inside: Voluntary surrender: High Court jurisdiction, Master-report procedure and publication directions · Focused disposition · Primary amendment

16 tables36 claim records20 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-20

CZA South Africa

Inside: Section 9 qualifying-claim thresholds and monetary continuity · 1.1 Single-creditor R100: fresh primary judicial confirmation · 1.2 Statutory conversion rule found—not merely historical commentary

16 tables20 claim records17 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-21

CZA South Africa

Inside: Insolvency Act §149: primary jurisdiction text, amendment chain and foreign-designation boundary · Fresh primary judicial text · 1.1 The alternatives and their different dates

15 tables30 claim records19 source recordsScoped review · limits applyCaptured 2026-10-27
C_ZApass-22

CZA narrow correction to P21

Inside: 1. Replacement for P21 §II.2.2’s §2(3) paragraph · 2. Replacement atomic claim · 4. Effect on workflow and model references

4 tables1 claim records1 source recordsScoped review · limits applyCaptured 2026-10-27
Record integrity

Original saved Markdown SHA-256: faee3e7229728340f97a452e05697a2f05384101feea64a80da16220b1de705c. Public formatting, private-reference removal and correction annotations are separate from that immutable original.

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