For those involved in debt recovery, supporting engagement is critical, not just to resolve outstanding debts, but to protect vulnerable citizens, improve financial resilience, and uphold trust in public services. In this article, the CSA's head of policy, Daniel Spenceley explores why overcoming disengagement is so crucial, what barriers remain, and how collective action, including better financial education and tackling online misinformation, can create a more supportive environment for those in financial difficulty.