Debt collectors calling? Your rights and how to handle them

Calls from debt collectors are stressful. But they have strict rules they must follow — and knowing your rights gives you power.

Debt collectors vs bailiffs

These are different:

If someone from a collection agency threatens to visit your home and take property, this is **harassment** and against the law.

Your rights

Debt collectors **CANNOT**:

How to handle calls

Step 1: Verify the debt

Ask for written proof of the debt. They must provide:

Step 2: Set communication boundaries

Say: "I would prefer all communication in **writing only**. Please do not call me." They must respect this.

Step 3: Offer what you can afford

If the debt is yours, offer an affordable payment plan based on your budget.

Step 4: Complain if necessary

If a debt collector breaks the rules:

Statute-barred debts

If you haven't made a payment or acknowledged a debt for **6 years** (5 in Scotland), it may be "statute-barred" — meaning it can't be enforced through the courts. **Don't make a payment or acknowledge the debt** without checking this first.

Free advice: National Debtline (0808 808 4000) or StepChange (0800 138 1111).