If you fall behind on a loan, credit card or bill, a debt collector might contact you.
A debt collector is a person who collects overdue debts. This could be for themselves, or for a lender (such as a bank), service provider or debt collection agency.
Debt collection is legal. The people you owe money to (your creditors) have a right to get it back. But it's not okay to harass or bully you.
If you receive a notice about being taken to court, get free legal advice straight away. If you ignore it, you risk your goods being repossessed and sold.
Go to Moneysmart's website to find out about your rights, what to do and how to get help.
Last updated 23 May, 2023