What you should know
Owing money does not remove your legal protections. A creditor or debt collector should use lawful recovery methods rather than threats, harassment or improper pressure.
If you are contacted about a debt, ask for clear information about the amount claimed and the basis for it. Keep records of calls, messages, letters and payments. Do not ignore genuine court documents or formal notices.
If collection activity becomes threatening, abusive or appears unlawful, preserve the evidence and seek legal advice about the appropriate complaint or court process.
Legal rights and available remedies depend on the facts of each situation. Contact A4A if you need advice about how the law applies to you.
When to seek help
If you are unsure how the law applies to your circumstances, if your rights may have been infringed, or if you have been arrested, detained, threatened or placed at immediate risk, seek legal assistance.
Legal reference points
- Consumer Protection Act, 2020
- Applicable contract, civil-procedure and criminal law
For Sierra Leone legislation, judgments and other primary legal materials, use an authoritative source such as SierraLII. The legislation that applies to an individual matter may change or depend on the facts.
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