Debt collectors Bully tactics
  • Using a document that looks like an official document but is not - example making a document look like a Default notice or make it appear to come for a lawyer or court documents etc. If they do this please make an official complaint to AFCA immediately.
  • Ringing your place of employment. If they do this you can ask them to stop calling you at work or you will lose your job - and they must stop this practise immediately.
  • Showing up at your place of employment without your permission - Completely illegal report this straight away to AFCA
  • Using social medial to contact your family and friends to try and get information on you pretending they are long lost friends trying to make contact with you.Completely Illegal - make a complaint with AFCA
  • Messaging you on Facebook or any social media without first making sure your accounts are not shared or can be access by anyone else - if they do without making sure of this - completely Illegal - report them and make a complaint with AFCA
  • If they know your address but cant make contact with you, they will try and get to you through your neighbours - If they disclose any personal details to your neighbours around the debt this again is illegal under the privacy Act.
  • Ringing your family to get information on you Pretending to be someone they are not e.g a long lost friend old school friend etc. Again ILLegal! Report this activity!
  • Threatening legal action, when in fact they have No intention of taking legal action - They can only make this threat if they intend on taking you to court. The chances of them taking you to court is less than 1% so 99% of the time when they make this threat is illegal! Hold them accountable!
  • Contacting you about a debt even after you have sent them a cease and desist letter - Illegal - report them and make a complaint with AFCA
  • Exposing or threatening to expose a person or a member of that person’s family to ridicule or intimidation - Illegal - report them and make a complaint with AFCA
  • Use deceptive methods to collect a debt from you. For example, they may not: claim to be law enforcement officers - report them and make a complaint with AFCA
  • Claim that you’ll be arrested if you don’t pay your debt - Illegal - report them and make a complaint with AFCA - you cannot go to jail for not paying debt collectors!!!
  • Threaten to seize, garnish wages or sell your property — illegal only unless they have a successful judgment against you but this can take years and certainly wouldn't come in the form of a letter or phone conversation.Can only be done thorugh the courts and the chances of them taking you to court are less than 1% and then they still have to Win the judgment.
  • Give false credit information about you to anyone, including a credit reporting company
  • Use a fake company names
  • Add interest, fees, or charges not authorized in the original contract agreement
  • Pretending to be someone else. Debt collectors have to identify themselves and who they work for. But a common tactic among the shadiest outfits is to pose as government employees (including the police), lawyers and others for the purpose of intimidation
  • Contacting third parties. A debt collector, if they know you are represented by a lawyer, can contact the lawyer regarding your debt. Otherwise, pretty much anyone else is off-limits. But debt collectors who ignore the law will contact employers, neighbors or leave messages about the debt with just about anyone they can as a tactic to force payment.
  • Calling You Outside Approved Hours - Unless you agree, a debt collector cannot contact you More than what is necessary FOR EXAMPLE : Debt collectors should only contact you A maximum of three phone calls Or letters per week or up to ten per month Between the hours of 7.30 in the morning And 9.00 o'clock at night on weekdays And 9.00 o'clock in the morning And 9.00 o'clock at night on weekends And no contact at all On national public holidays