Constant calls, letters and texts from debt collectors are stressful — and a lot of people don't realise they have rights, and options. Here's what collectors can and can't do, and how to take back control.
Debt collectors have to follow rules set by ASIC and the ACCC. They can contact you a reasonable amount to discuss a debt, but they cannot harass you, contact you at unreasonable hours, mislead you, or use threats. If contact has crossed into harassment, that's not something you have to simply put up with.
Ignoring collectors rarely makes the problem go away and can make it worse. But you also don't have to face them alone or agree to something you can't afford on the spot. You're allowed to take time, get advice, and have someone deal with them on your behalf.
They can contact you to discuss a debt, but there are limits, and harassment is not allowed. If contact is excessive, you have options.
Yes. You can authorise a representative to communicate and negotiate with them on your behalf.
That's worth talking through — there are options including hardship arrangements, and free financial counselling can help you understand them.
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