I've received a text message about a debt
A text about a debt could be genuine or a scam. Before you tap any link or pay anything, take a moment to check who really sent it.
This guide helps you
- Tell a genuine collection text from a scam
- Avoid clicking risky links or paying impulsively
- Verify the sender independently
- Find free help and report scams
5 min read
What's happening
Collectors sometimes use text messages, but scammers do too — often with links designed to steal your details or money. A genuine message should let you verify it without pressure.
Treat any link or payment request in a text with caution until you've confirmed who sent it.
Your first steps
Don't react to the text itself — verify first:
- Don't click links in the message.
- Don't reply with personal or banking details.
- Find the company's official contact details separately and check with them.
If you can't verify the sender, treat the message as suspicious.
Step by step
- Pause before tapping anything. Links can lead to fake sites.
- Identify the supposed sender and original creditor.
- Verify independently using contact details you look up yourself.
- Watch for urgency and odd payment methods — classic scam signs.
- Report anything that looks like a scam.
Your rights
You're entitled to verify who is contacting you and to request details in writing through a trusted channel. You never have to pay based on a text alone. Genuine oversight bodies are listed in our directory if you need to escalate.
Where to get free help
If you're unsure whether a text is real, get advice before acting. The National Debt Helpline on 1800 007 007 can help, and our help centre can point you to where to report a scam.
Key takeaways
- Don't click links or pay based on a text alone.
- Verify the sender using contact details you find yourself.
- Urgency and unusual payment methods are scam warning signs.
- Free help and reporting guidance is on 1800 007 007.
Frequently asked questions
Is a debt text message likely to be a scam?
It might be genuine or a scam. Don't click links or pay; instead verify the sender independently before doing anything.
I clicked a link in the text — what should I do?
If you entered any details, contact your bank, change affected passwords, watch your accounts, and seek advice.
How do I check if the text is real?
Look up the company's official contact details yourself and ask them to confirm, rather than using any number or link in the message.
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.