No, debt review is not the same as administration. While both are legal debt solutions for consumers, they are distinct processes governed by different laws and suited for different financial situations. Debt review falls under the National Credit Act (NCA), while administration is regulated by the Magistrates’ Court Act.
5 Differences Between Debt Review and Administration
- Governing Legislation:
- Debt Review: Regulated by the National Credit Act (NCA).
- Administration: Governed by the Magistrates’ Court Act.
- Debt Limitations:
- Debt Review: No limit to the amount of debt; suitable for individuals with larger debt loads.
- Administration: Only applies to debts below R50,000.
- Assets Protection:
- Debt Review: Protects assets like your home and car from repossession as long as payments are maintained.
- Administration: Offers limited asset protection and may result in asset liquidation in some cases.
- Payment Distribution:
- Debt Review: Payments are managed through a Payment Distribution Agency (PDA), ensuring creditors receive their share.
- Administration: Payments are managed by an administrator and often result in higher fees.
- Impact on Credit Profile:
- Debt Review: Once completed and cleared, a clearance certificate restores your creditworthiness.
- Administration: Stays on your record for five years or until debts are fully paid.
Why Debt Review May Be Better
Debt review works well for individuals with significant debt who want to protect their assets and restructure payments. It also provides a clear path to becoming debt-free while avoiding creditor harassment.
Contact DCGsa for Expert Guidance – Registered Debt Counsellor with the National Credit Regulator NCRDC1560
📞 Call us: 086 100 1047
📧 Email us: help@dcgsa.co.za
💬 WhatsApp us: 061 432 8499
▶️ Watch our videos on YouTube: DCGsa Debt Counselling Group
For more information about Debt Review – Click Here.

Debt Review or Administration? Understand the differences and choose the best solution for your financial needs with DCGsa’s expert guidance.