ITSA Registered Debt Agreement Administrator
Debt Free is a Registered Debt Agreement Administrator (Reg. No. 1098) and is regularly inspected by ITSA.
Archive | Personal Loan Debt
Getting a copy of your credit report
Your credit report has information about you and your credit history. You should retrieve a copy of your credit report to check that the information is correct.
Credit reports can be ordered through My Credit File or Veda Advantage.
What about old or statute-barred debts?
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You may have a defence against a debt if:
Long period of time has passed (usually 6 six years but it may be different depending on which state you live); and
No court action has been taken.
Debt collectors must act within the law when recovering debts. They cannot:
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Use physical force;
Harass or threaten you;
Mislead or deceive you; or
Take advantage of your disability or vulnerability.
Disputing a debt
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If you have been contacted regarding a debt you don’t believe is yours you have a right to dispute the debt or the amount of the debt.
When you make a reasonable request, debt collectors should be prepared to give you account information and copies of contracts.
Dealing with Debt
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