Debt Collector Harassment and what to do

If you are unfortunately dealing with Debt Collector Harassment, then your debts have been sold to a debt collection agency. You will no doubt be under stress and bullied for what is now an epidemic in the Australia. Buying in bulk debts from banks for a small percentage and chasing you for more than the original debt.

Debt Collector Harassment and what to do

I beat a debt collector 5 years ago on a very large debt they said I owed. I spent 12months of researching commonwealth consumer protection laws, ACCC and ASIC guidelines, I decided to challenge them on 23 key points. Now I started this website to help people feeling trapped and bullied with nowhere to turn. I will gladly help you beat them too, send me an email using the ‘Contact Us‘ form on the right hand side of this page, tell me your situation and Ill help as many people as I can, or simply Click Here


Debt Collection Agencies are a business, 99% are not here to help you or listen to your problems. Dog died, car on fire, lost your wallet? They don’t care….Imagine a room with 100 people sitting at individual desks, with headsets on. These sales people are paid a bonus in accordance to how much they can get you to pay off the debt.


The staff at these call centres have morning meetings before they begin. Tactics on how to get you to pay e.g. ‘ …tell them we have their neighbours’/bosses number and we will ask them for the money. Bosses at these companies tell the staff how much money they expect each of them to collect by the end of the day.

Where do they get the debts?…..they buy them, and in bulk. What does this mean?….Let’s say your debt from Bank ‘A’ is an old credit card and was for $5000…….usually the DCA buys it for 10-20% of original value. However, they will demand full amount, plus, their own charges on top. So they pay around $500 and try and get over $4500 off you.

Debt Collector Harassment and what to do

Now they have a database of all these debts in front of them with telephone numbers and addresses given from the original debtor…now what? They want cash from you, as quick as possible , with the least amount of effort on their part. So now they adopt various methods of achieving that…….

A standard letter is sent to you, asking for the amount, plus charges back. Often breaching ASIC guidelines and making official looking documents intended or likely to, mislead debtors as to their status, for example, documents made to resemble court claims.

How to stop phone calls – A favourite tactic – calling you about 5-10 times a day, on every number they have to contact you, mobile, home and work. Sometimes sending texts and asking you to call them back on premium rate numbers (which is illegal) Imagine the above happening to you everyday for the next month. This is physical/psychological harassment, it is illegal and once again something else that you can stop.


Delete and Dispute any Defaults on your Credit File with this Free trick!

One unfortunate factor with being in debt, is that Debt Collector Harassment will put a default on your credit file, which will stop you being able to get any credit. So one tactic I would suggest, is to access for free your credit file and have a look for any defaults (tactic can be used for any defaults you have) and if there is, then click dispute next to all of them. I have found many times, companies put defaults on your file much earlier than they legally should, so you can clear your file/improve your credit score today. The free one I used was this one