Licensed moneylenders can take reasonable steps to recover their debts as long as they do not infringe the law. Such steps may include contacting the borrower to ask for repayment and taking legal action to enforce the loan contract.

Approaching a debtor at his place of residence or employment to collect debts, while potentially embarrassing, does not necessarily constitute an offence. However, debt collectors cannot resort to vandalism, violence, or threatening words or behaviour, as such acts may infringe general criminal law. Whether or not a debt collection activity constitutes a criminal offence would depend on the facts of each case.

If there is any harassment, threat or violence involved in the course of debt recovery, you should lodge a police report, detailing your encounter(s) with them.