Many clients are not aware that creditors, debt collection agents and solicitors engaging in debt collection activity are governed by national guidelines, specifically the Debt Collection Guideline for Collectors and Creditors (the “Guideline”) which was last updated in April 2021.   The Australian Competition and Consumer Commission (ACCC) and the Australian Securities and Investments Commission (ASIC) jointly produce the Guideline. ACCC and ASIC enforce Commonwealth consumer protection laws, including laws relevant to debt collection.   The Guideline applies to both creditors who are directly involved in debt collection and to specialist external agencies who provide debt collection services. Therefore, not only are debt collection