Debt collection and repossession is a challenging area for people in debt and who cannot afford to repay these debts back. This Discussion Paper from the SPPU explores debt collection, repossession and other debt recovery processes and policies in Aotearoa. The Paper then ends with some key policy recommendations, including pushing for a new single law to regulate debt collection in our nation, and reviewing the effects of insolvency options on lower income Kiwis. We pray your hearts and minds would be engaged as you read through this Paper. Ma te Atua e manaaki!