Debt Collection Agencies
Debt collection agencies act on behalf of creditors or buy debts outright. Their powers are the same as any other unsecured creditor.
How debt collectors actually work
DCAs are limited to the same rights as the original creditor. They can chase, threaten court, or sell the debt on — but they can't force entry.
Read the full guideDCA vs original creditor: who actually owns the debt
Whether the debt has been assigned, sold or just passed for collection changes who you deal with.
Read the full guideRelated guides
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A creditor petition asks the court to make you bankrupt. It's rare — but when it happens, timing matters enormously.
2 guidesNot sure where to start? We'll walk you through it.
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