Both debtors and debt collectors have rights and legal responsibilities. If you’re in debt and struggling to pay, there are free services to help. If you are contacted about a debt you don’t owe, or disagree with the amount, you can dispute it. What debt collectors can and can't do Owing a debt can be stressful. Knowing what debt collectors can and can't do can help. Both debtors and debt collectors have rights and legal obligations. Disputing a debt You can dispute a debt you don’t owe, or if you disagree with the amount. Get legal advice if you are being taken to court. Help when you're in debt There are several free services that can help you if you’re struggling with debt. Laws are in place to protect you from being treated unfairly by debt collectors.