A debt collector keeps calling me
Repeated calls can feel overwhelming, but there are limits on how often a collector can contact you, and steps you can take to manage it.
This guide helps you
- Understand that limits apply to how often collectors can contact you
- Know how to ask them to change how they contact you
- Keep a record of the contact
- Find free help and how to complain
6 min read
What's happening
Collectors are allowed to contact you about a genuine debt, but there are guidelines on how often and at what times. Excessive or unreasonable contact can cross the line into harassment.
If the calls are frequent or distressing, you can take action to manage them.
Your first steps
Take back some control of how and when you're contacted:
- Keep a log of each call — date, time, and what was said.
- Tell the collector your preferred contact method and times, in writing if you can.
- If you've engaged a financial counsellor, let the collector know.
Staying calm and keeping records puts you in a stronger position.
Step by step
- Log every contact. A simple list of dates and times is enough.
- Set your preferences in writing — for example, contact by letter only, or not at work.
- Ask them to stop calling a particular number if it's causing problems.
- Keep responding to genuine debts even while limiting contact — ignoring them entirely can make things worse.
- Complain if the contact remains unreasonable.
Your rights
There are guidelines on reasonable contact frequency and times. Collectors must not harass you. The exact limits can depend on your circumstances and state, so get advice if you're unsure. You can escalate unreasonable conduct to an oversight body listed in our directory.
Where to get free help
If the calls are affecting your wellbeing, you don't have to cope alone. The National Debt Helpline on 1800 007 007 offers free, confidential support. Our help centre can also guide you on making a complaint.
Key takeaways
- There are limits on how often a collector can contact you.
- Keep a log of every call to support any complaint.
- You can set your preferred contact method in writing.
- Free, confidential support is available on 1800 007 007.
Frequently asked questions
How often is a collector allowed to call me?
There are guidelines on reasonable contact, but the specifics can vary. Keep a log and seek advice if the frequency feels excessive.
Can I tell them to only contact me by letter?
Yes, you can state your preferred contact method. Put it in writing and keep a copy so there's a record.
What if the calls feel like harassment?
Keep records, raise it with the collector, and if it continues, complain to the relevant oversight body and seek free advice.
This is general information, not legal or financial advice. Your situation is unique and rules can vary by state and over time — for advice on your circumstances, speak to a free financial counsellor (National Debt Helpline 1800 007 007) or get legal help.
Know your options, know your rights
A free, plain-English guide to dealing with debt in Australia — and the people who can help.