I have a debt in New Zealand that is now being collected by the debt collectors, ARL Collect Limited here in Australia. My question is, is it legal for a New Zealand debt to be collected by an Australian entity? When I was first contacted by ARL to begin paying the debt to them, I tried to continue paying my NZ debt direct to the original creditor, however ARL began threatening to list me as defaulting on the debt here in Australia. Is this proper procedure? I did miss a few payments migrating to Australia.