js\pdfjs\2.10.377\build

What Is Debt Administration?

Get to know debt administration.

If your debt is below R50 000 and you do not want to go into sequestration ( also known as bankruptcy) you can apply for debt administration at a Magistrate’s Court. Due to the R50 000 debt limit vehicles and property typically do not fall under debt administration.

Your spouse and debt administration.

The court will appoint an administrator (or attorney) who will manage your financial affairs. Typically, vehicles and bonds are excluded from administration. If you are married through an in community of property contract, both you and your spouse’s assets could fall under administration.

Your debt administrator.

The court appoints an administrator who can charge up to 12.5% of your outstanding debt in fees. You first have to pay the administrator and what is left over will go towards paying off your debt. Under debt administration, the administrator will pay your debtors, usually every 3 months. The administrator can miss or forget to make a payment which means you are liable for the interest.

Debt administration and debt review

Debt administration predates the National Credit Act and you are not issued a clearance certificate once your debt is paid in full. If you are currently under debt administration you can opt to rather placed under debt review.

An administration order will reflect on your credit report and will remain there for 5 years, or until the debt is paid in full, or the judgement is removed. You will not be able to make new debt during this time.

It is therefore in your best interest to make sure you can pay your monthly debts, but if there is no other option, debt administration might be a good option to get you out of tough times.


  • 10 common credit score myths.
  • 5 ways to pay your credit card debt.
  • 7 tips to fix your credit score.
  • 8 most common credit terms.
  • Blacklisting, is it still a thing?
  • Breaking Bad Debt.
  • Can I Get A Loan While Under Debt Review?
  • Common myths about debt review.
  • Debt Management Tips.
  • Default, Judgement, Sequestration.
  • Free VS Paid Credit Reports.
  • Frequently Asked Questions about Debt Review.
  • Get your credit report before applying for a loan.
  • Good Debt Can Build Your Credit Score.
  • How Do I Check If I Have Been Blacklisted?
  • How Do I Manage My Debt When I Am Unemployed?
  • How is your credit score calculated?
  • How Is Your Credit Score Weighted?
  • How Long Does Debt Review Last?
  • How long does it take to improve your credit score?
  • How To Calculate Your Debt-To-Income Ratio.
  • How To Improve Your Credit Score After Debt Review.
  • How To Reduce And Eliminate Debt.
  • Online Shopping – Just (don't) add to cart!
  • Teaching Children Good Money Sense.
  • The basics of your credit score.
  • The Pros And Cons Of Debt Counseling.
  • Things You Don't Want To See On Your Credit Report.
  • Understanding a credit report in South Africa.
  • Vehicle instalments driving you to despair
  • What are credit bureaus and how do they work?
  • What causes credit card debt?
  • What do credit bureaus know about me?
  • What Effect Does Your Credit Report Have On Your Interest Rates?
  • What Happens To Your Credit When You Get Married?
  • What Happens When You're Debt Free?
  • What is a credit score?
  • What is a credit utilization rate?
  • What is considered a good credit score?
  • What Is Debt Administration?
  • What Is Debt Counseling?
  • What Is Debt Review?
  • What’s the difference between your credit score and your credit report?
  • Which Type Of Credit Carries The Most Risk?
  • Why Debt Counseling Is Perfect For You.
  • Why did my credit score go down?
  • Will checking your credit reports affect your credit score?
  • Your Best Defence Against Identity Theft Is Your Credit Report
  • Show More

    Check for arrears accounts

    modal-close

    In order to help you on your way to Credit Health, we've teamed up with Transaction Capital Recoveries and MBD Inc. By selecting continue, you give consent that we may check for any arrear accounts on your behalf.

    Check for arrears accounts

    modal-close

    In order to help you on your way to Credit Health, we've teamed up with Transaction Capital Recoveries and MBD Inc. By selecting continue, you give consent that we may check for any arrear accounts on your behalf.

    modal-close

    Report Download

    modal-close