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If you are behind on your debt payments, you may have come into contact with debt collectors. These are independent individuals or organisations that are hired by creditors to follow up with debtors who have overdue repayments. You may be worried that a debt collector will show up and bully you with physical violence or threaten to call your employer and tell them about your debt. However, these acts of intimidation, along with many others, are outlawed in the official Code of Conduct as laid out in the Debt Collectors Act of 1998.

Here is a quick breakdown of what debt collectors are and are not allowed to do according to South African law:

Debt Collectors May NOT:

Most debt collectors and debt collection agencies are very professional and reasonable, so you shouldn’t have too many problems in your dealings with them. However, things can turn ugly, and it’s essential that you know and understand your legal rights.

Want to avoid debt collectors altogether? Register for debt review with Debtline, and we will get you completely debt-free in 60 months or sooner – no creditor harassment, debt collectors or legal problems to worry about.

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