Handing over the management of your debts to an administrator who is then tasked with paying your creditors on your behalf seems like a good idea if you are so stretched you have no way to turn.

And if you have default judgments against you because you missed repayments, debt administration may be your only option, because these debts can’t be included in debt counselling. To be eligible for debt administration, your debts can’t exceed R50,000 in total. For this reason, it’s mostly lower earners who opt for debt administration. ..

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