• Affordable Living

They can:

  • Call to ask for payment
  • Negotiate a repayment plan with you
  • Negotiate a payout with you
  • Revisit payment plans after some time (typically 3-6months)
  • Tell you the consequences of not paying
  • Repossess assets after a series of steps.

When can they call you?

  • They can call you from 7.30am to 9pm Monday to Friday and from 9am to 9pm on weekends
  • They can only call you 3 times a week or 10 times a month.

Can they show up at my house?

  • They can attend from 9am to 9pm but only if you haven't answered your phone or responded to email.

What should you do?

  • Always be polite
  • Answer your phone (the 10 contacts don't count if they don't talk to you)
  • Don't agree to make a payment if you can't afford to. It's better not to break an agreement.
  • Keep your contact details up to date.
  • Write down every date and time you speak to the collector. Write down the name of the person on the phone and the company they work for. Write down a summary of what they said.
  • Don't agree to pay a debt you don't believe it's yours
  • Ask for a copy of the original contract that you signed

What do if you can't pay the debt?

  • Be proactive
  • Do a budget and work out what you can repay regularly.
  • Contact the debt collector and offer to make this payment
  • Explain you're in financial hardship, ask for interest to be frozen.
  • If your sole source of income is welfare and you have no assets you can ask for the debt to be waived.

When to make a complaint.

  • If the debt collector swears, insults, or demeans you?
  • Demands that a friend or family member pay your debt.
  • Says you will go to jail if you don't pay the debt
  • Contact the ACCC or AFCA to make a complaint.

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