You will need to have a licence to work as a field agent to:
- find and recover goods (repossession)
- collect debts in person
- serve documents (process serving).
Alternatively, you can work as a collection agent without a licence if you only:
- collect debts but do not repossess goods or do process serving
- contact debtors over the phone or in writing
- perform evictions or vacant repossessions of real property.
In most cases, a corporation that works in the debt collection industry must have a corporate licence. This is as a separate licence that individual field agents or debt collectors must have.