Generally speaking, under Australian and New Zealand debt collectors cannot:
This applies to yourself, your spouse, your family, or others who may be connected to you. If a debt collector mistreats you, you can make a formal complaint the relevant authority (Aust is ACCC and NZ is Consumer Protection).
If the debt is legal and reasonable, a debt collector should only contact you when it is necessary to do so. Reasons may include:
Visits to your home will only ever happen if there is no other way the debt collector can contact you, or if you ask or agree to a home visit. If poor conduct occurs that results in assaults or threats of violence, then the collector should be reported to immediately.
Seven steps are key when you suspect a debt collection is a sign that your identity has been misused by someone to obtain credit in your name without repayment:
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