Introduction
In Singapore, there are many cases of debt collectors unlawfully harassing debtors. It is important to be aware of the fact that if you are an individual who owes something to someone, collection agencies DO NOT enjoy special privileges. The same laws apply to them as with everyone else. Therefore, if a debt collector harasses you, the first and right step to take is to call the police.
In April 2019, a director of a registered debt collection agency was found guilty of illegal harassment. Jasmine Tan Sue was jailed for eight weeks and fined $1,000 to two counts of abetment for causing harassment. Harassment cases can cause distress, and so you should seek proper representation in court by hiring a lawyer who can help you take the necessary steps to deal with such cases.
Remember that there is always a manageable way to clear your debts. Negotiating an instalment plan is always an option, and you may seek advice about this from your lawyer. In cases where the creditor is a bank, your legal advisor may be able to help lower your interest rate.
Examples of common harassment cases include:
- Incorrectly stating the amount owed: Claiming a client owes $50,000 while the exact amount is $15,000;
- Defamation: For instance, video recording a person as they attempt to collect a debt and then posting it on social media;
- Harassment: Trying to collect a debt by breaking the law;
- Threatening jail: For example, telling you that a person will go to jail if the debt is not paid.
