They have already accumulated more than R1, 63 trillion of unsecured debt from various financial institutions with credit cards, store cards, bank overdrafts and personal loans, but
excludes debt accumulated from friends, family and private micro-lenders.
Generally, married spouses are believed to have contributed equally to a marriage; and upon dissolution, all of the assets and
debts accumulated over the course of their marriage, except those which can be
excluded, are equally divided between the two of them.