Debt collectors are under fire for bombarding people who owe money, with phone calls, texts, emails and in-person visits.,
A new report from FinCap which represents budgeting services has found the behaviour verges on harassment.
It's calling for changes to consumer laws to counter unfair debt collection practices in Aotearoa.
Intercoll general manager Mark Francis says his debt recovery business is trying to do things differently.
He spoke to Susie Ferguson.