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Debt Collection Course

(Australia)

Debt collectors are governed by a range of statutory and common law obligations.

Together, the Australian Competition and Consumer Commission (ACCC) and the Australian Securities and Investments Commission (ASIC) have published a Debt Collection Guideline, which explains how the Australian Consumer Law (ACL), the Australian Securities and Investment Commission Act (ASIC Act) and the National Consumer Credit Protection Act apply to debt collection activities.

Safetrac’s ‘Debt Collection’ course is based on the Debt Collection Guideline, providing businesses and their employees with an understanding of the legal obligations placed on debt collectors and creditors, with particular reference to individual debtors.

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Learning outcomes

On completing this course, learners should be able to:

  • understand the laws relevant to debt collection;
  • the guidelines governing how to contact a debtor.

Course contents

  • Laws governing debt collection
  • Misleading and deceptive conduct
  • Unconscionable conduct
  • Contacting a debtor
  • Privacy obligations
  • Record keeping
  • Repayment negotiations
  • Contact when a payment arrangement is already in place
  • Contact following bankruptcy, PIA or debt agreement
  • Conduct towards debtors, their families and third parties
  • Representations about the consequence of non-payment
  • Credit reporting
  • Representations as to the legal status of a debt
  • Legal actions and procedures
  • Complaints and dispute resolution
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Course preview

A few presentation slides used during the course.

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