Consumer Protection

Debt Collectors
In New Zealand

Collectors in NZ are bound by the Fair Trading Act. They cannot harass, threaten, or mislead you.

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Harassment Rules

Misleading conduct or deceptive tactics are illegal. This includes claiming they have powers they don't, or pretending to be from a court or government agency.

"They cannot use physical force, undue pressure, or offensive language to collect a debt."

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Entry Into Home

Debt collectors generally **cannot** force their way into your home or garage. Unless your credit contract explicitly grants them entry (very rare), they must be invited in.

If they refuse to leave your private property, they are trespassing.

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Contact Timing

Contact must be at reasonable times. Frequent or excessive calls, especially during unsociable hours, may be considered harassment.

• Generally between 8 AM and 9 PM.
• Contacting your family or employer is restricted.

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Your Right to Facts

You have the right to request written confirmation of the debt, including the original amount and any interest or fees added.

If you dispute the debt in writing, they should pause collection until proof is provided.

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Harassment Checker

Are they crossing the line? Check all that apply to see if you have grounds for a complaint to the Commerce Commission.

They used offensive language or threatened physical force. They called more than 3 times in a single week. They contacted my boss or family about the debt. They called me before 8 AM or after 9 PM. They told me they were from the Court or Police.

Debt Collection and the Fair Trading Act

In New Zealand, the **Fair Trading Act 1986** ensures that businesses do not engage in unfair practices. This applies to debt collectors just as much as retail stores. If a debt collector is harassing you, the Commerce Commission has the power to intervene.

What to do if a collector visits

Do not let them inside unless you want to.
Ask for identification and the name of the agency.
Request that all further communication be in writing (email/post).
If they refuse to leave, inform them they are trespassing and call the police.

Debt Collectors In New Zealand