Money & debt
A debt collector is calling — what are my rights?
You can ask for details in writing, dispute incorrect debts, and complain about harassment — Commerce Commission and Community Law explain limits.
If someone contacts you about a debt, stay calm and ask who they are, who the original creditor was, and how much they say you owe. You can request this in writing. You still owe genuine debts, but you do not have to accept harassment or unclear demands.
Fair trading and credit laws set boundaries on how collectors can behave. If contact feels threatening, at unreasonable hours, or involves false claims, note dates and save messages, then check Commerce Commission and Consumer Protection guidance. Community Law can help you understand options.
Free financial mentors and MoneyTalks can help you plan repayments you can actually afford. Do not promise money you do not have to make calls stop. Not legal advice.
Calm next moves
- Ask for debt details in writing before paying.
- Keep a log of every call — date, time, who spoke.
- MoneyTalks — 0800 345 123
Official resources
Always confirm details on the official site — laws and processes can change.
Educational signposting only from the Resilience Programme. Not legal, financial, or medical advice. Updated 2026-07-10.