Jacco Minnaar By Jacco Minnaar Blog02 March 2011 Over-Indebtedness: Roles and Responsibilities of All Actors Still one of the keys to addressing over-indebtedness is analyzing the ability of the borrower to repay. Blog01 March 2011 Constructing an Early Warning Index Over-indebtedness has a detrimental effect on all players involved: first and foremost for the borrower.