How must a debt collector behave when they visit my premises to repossess goods?

• Contrary to what certain American reality television shows might have you believe a debt collector must always treat a debtor, their family and their property with respect, fairness and courtesy. Under the law a debt collector must:
  • make contact with you at a reasonable time and place meaning the collector cannot come to your place of work if you have provided them with an alternative contact point; and
  • make contact with you for a reasonable purpose only such as:
    •  to provide information about your account;
    • to make a demand for payment; or
    • to reach a flexible payment arrangement.

• A debt collector must not:
  • enter your private property without either a warrant or your consent;
  • use physical force against you or a third party such as a family member;
  • harass or hassle you to an unreasonable extent;
  • make statements or implications to mislead or deceive you; or
  • take unfair advantage of any vulnerability, disability or other similar circumstances that affect you.

• If you have any concerns you can use our free and anonymous Ask a Lawyer service to get information specific to your situation.