HOW TO DEAL WITH DEBT COLLECTORS

• Install Truecaller on your phone, or any similar app found in Google Play Store, to block unwanted calls.
• If they do get through to speak to you, insist on dealing with them in writing only. You do not know the person calling and it can be anyone. Even a scam.
• Deny, deny, deny. If they maintain you owe money then it is quite simple. They MUST Prove it - you do not have to prove anything. 
• Ask for a copy of the agreement of the debt that they are referring to PLUS a statement of the debt from inception until today, showing all debits and credits, so that you can verify it. That is your right!
• Refuse to discuss anything with them until they are prepared to provide the above in writing.  
• Never provide your ID number. There are too many scams around and no one will hold that against you.
• Check your credit record annually. you are entitled to one FREE credit report each year.  
• If you see a debt that you think might have prescribed, you should lodge a dispute and have it removed. If you are unsure you are welcome to call us to assist you for free.
• If the caller is rude, cut the call. You do not have to accept or tolerate abuse. Do not get into a mud-slinging match. You are better than them.
• You have consumer and constitutional rights. Make use of them.