Debt collection and the law
Debt collectors must obey the law when recovering debts. This means they must not:
- use physical force or intimidation towards you, any member of your family or anyone associated with you
- harass you
- mislead or deceive you, or try to do so – for example, sending letters that look like court documents
- take unfair advantage of any vulnerability, disability or other similar circumstance affecting you. This is called ‘unconscionable behaviour’.
Harassment
You do not have to accept harassment from creditors or debt collectors. Get help immediately.
The worst tactics include:
- phone calls, day and night, at work and home
- calls to your employer, revealing details you might consider private
- calls…