Get Debt Free » Dealing with Debt

Getting a copy of your credit report

Debt Free Pty Ltd — Thu, 18 Feb 2010 04:16:26 +0000

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?

Debt Free Pty Ltd — Thu, 18 Feb 2010 04:15:25 +0000

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:

Debt Free Pty Ltd — Thu, 18 Feb 2010 04:14:18 +0000

Use physical force;
Harass or threaten you;
Mislead or deceive you; or
Take advantage of your disability or vulnerability.

Disputing a debt

Debt Free Pty Ltd — Thu, 18 Feb 2010 04:13:14 +0000

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.

I thought I settled that debt

Debt Free Pty Ltd — Thu, 18 Feb 2010 04:12:11 +0000

Be aware a debt collector may contact you for a debt you may have paid in full. In this case explain to the creditor you have paid this debt and offer supporting documents to prove payment has been made.