Debt collector licensed activities

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Debt collector

The below information provides a description of activities which a Western Australia (WA) licensed debt collector is permitted to perform. If you are a WA licensee visiting another state under AMR, you are only allowed to perform the activities listed below. 

If you need to apply for a WA licence more information is available on the Applying for a debt collector's licence page. 

Licence Identifier: DCL00 – DCL0000

Scope of work

A debt collector collects, requests or demands payment of debts on behalf of another person for remuneration.

Specific activities

  • Establish the person being pursued for the debt is liable for the debt.
  • Contact the debtor by any available means only to the extent necessary to recover the debt.
  • Provide information to the debtor to substantiate the debt.
  • Takes possession of mortgaged goods with Court approval or consent from the occupier of the premises.

WA requirements

To get a WA licence

  • Must be cleared by the Commissioner of Police
  • Must be of person of good character and repute and a fit and proper person to hold a licence
  • Must be 21 years of age or more
  • Must lodge a bank guarantee or fidelity bond of at least $6,000 with the Commissioner of Consumer Protection or $10,000 for a company licensee
  • Must pay an application fee

To keep a WA licence

  • Must deposit money received in relation to the collection of a debt into a statutory trust account which must comply with the Debt Collectors Licensing Act 1964.
  • Must have appointed auditor and annually audit the trust account. 
  • Must comply with the regulations with regard to fees charged.
  • Must renew the licence as required

Must comply with the Debt Collectors Licensing Act 1964, Debt Collectors Licensing Regulations 1964, Fair Trading Act 2010 and National Credit Code.

Consumer Protection
Last updated 17 Aug 2022

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