Mission statement

The home and voice of the South African professional debt collection industry

ADRA aspires to be representative of the majority of practitioners within the debt recovery industry and thereby have authority and a common voice when engaging with all stakeholders regarding matters pertinent to the industry.  In particular ADRA seeks to interact and lobby with government, regulatory authorities and other representative bodies in ensuring that the best interests and considerations of its members are proactively taken into account in shaping the legislative and regulatory environment in which they operate.

ADRA seeks to promote the debt recovery industry as a responsible and significant participant in the credit life cycle, providing sustainable and rewarding career opportunities and acting in the interests of both credit providers and debtors.  ADRA establishes and maintains the positive reputation of the debt recovery industry through education, advocacy and services. 

ADRA provides a supportive and value added function contributing to the success of its members in areas such as training, skills development, best practice, information sharing, networking and competitive pricing from service providers. 

ADRA demands of its member's compliance with all applicable laws and regulations. Over and above ADRA enforces its own code of conduct, holding its members to the highest standards of excellence, professionalism, ethics and integrity. 

ADRA will be independent and in pursuance of its objectives will not be aligned or associated with any political organisation; will not discriminate on the basis of race, colour, gender, religion, language, political affiliation or creed; and will be transparent and open as an organisation.


In absence of policy we are driven by value

  • Leadership
  • Integrity
  • Respect
  • Responsibility
  • Professionalism
  • Compliance
  • Service
  • Education


If you are reading this - you are a stakeholder

  • Debt collection practitioners, whether sole proprietors or corporate entities, whether debt collectors, attorneys or property administrators.

  • Credit providers who as part of their own businesses make use of debt collection practitioners and / or recover their own debt.

  • Regulatory bodies, government, policy makers and other representative bodies to the extent that there is impact on the debt recovery industry.

  • Consumers, whether natural persons or businesses, who are indebted to credit providers i.e. the public at large.

  • Service providers to the debt recovery industry and in particular to debt collection practitioners.

adra membership

ADRA membership is sought after and only available to those practises specialising in debt collection and who, besides the statutory minimum requirements set by the Debt Collectors Act, endorse the elevated ethics, values and norms of ADRA.  Membership is only available to the debt collection practise, not individual employees within such practises.  ADRA maintains a membership number of in excess of 200 such entities comprising from small sole proprietors and partnerships to JSE listed enterprises.  Membership is available to all practises within this extended industry, including debt collection practises registered as such in terms of the Debt Collectors Act, law firms registered in terms of the Attorneys Act, tracing agents specialising in the location of delinquent debtors, businesses granting credit who have their own in-house debt collection departments or affiliates and property administrators recovering arrear rentals and levies only.

Associate membership is at the discretion of ADRA extended to any entity carrying on a business or profession closely associated with the debt recovery industry.

A R400 non-refundable moderation fee is payable.  Applicants may apply online by completing and submitting the online application form or by contacting ADRA.

Join the home and voice of the South African debt collection industry.  A membership application form can be downloaded at the bottom of the "Members" page.


the debt collectors act

From its inception, ADRA recognised the need for government regulation and standardisation of the industry.  ADRA pursued the enactment of legislation recognising the debt collection industry as a formal sector and in 1998 succeeded with the enactment of the Debt Collectors Act, Act 114 of 1998.

In terms of the act, a public regulator, The Council for Debt Collectors was created and tasked with the implementation and regulation of the provisions contained in the act.  The Council Board consist of 10 board members, of which three members has to be practising debt collectors.  The Ministry of Justice and Constitutional Development have to make at least two appointments in consultation with the debt collection industry.  As industry representative ADRA is consulted in making such appointments and puts forward nominations.  ADRA maintains healthy representation on the board off and, a working relationship with the Council for Debt Collectors.

The main features of the act are, the creation of the Council as stated, all entities practising in this industry as well as their staff who performs functions directly associated with debt collection has to be register as debt collectors with the Council, debt collectors are entitled to raise fees against debtors for activities performed in recovering debt and all debt collectors has to have a trust account in which all money recovered on behalf of third parties has to be held.

ADRA membership is not granted to debt collectors who are not registered as debt collectors with the Council (other than law firms and, creditors who recovery only their own debt and does so without raising fees against debtor accounts other than what is provided for in the National Credit Act).

Application forms for registration of entities and their employees as "debt collectors" can be downloaded from this site, requested form the ADRA office or directly from the Council for Debt Collectors. 

Contact details

The Council for Debt Collectors

Telephone: 012 804 9808

74 Watermeyer Street

Randmeester Park



There are no secrets to success. It is the result of preparation, hard work, and learning from failure.
Colin Powell 

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