If you are in debt, you have a legal responsibility to repay the money you owe. However there are laws in place to protect you from being treated unfairly by debt collectors. Dealing with debt collectors If you are dealing with a debt collector, you have protections under Australian Consumer Law. A debt collector must not mislead, harass, coerce or act unconscionably towards you. Disputing a debt If you are contacted about a debt you do not owe, or disagree with the amount being claimed, you have a right to dispute it. Help when you're in debt People get into financial difficulties for many reasons. If you find yourself in debt, there is help available.