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Debt collector (old debts)

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Instructions to user:

Step 1: Read our fact sheet

Before using this letter you should read our fact sheet on Recovery of Old Debts. This applies to NSW only.

  • If you are unsure when you last paid or acknowledged the debt you should call 1800 007 007 and get advice before using this letter.

WARNING: if you have received a statement of claim (or other court papers) you should get urgent advice by calling 1800 007 007. In some cases you may be able to lodge an urgent dispute with the debt collector or creditor’s free external dispute resolution service.

  • If after you have sent this letter the information you are asking for is not provided or the harassment continues, you should complain to the ombudsman. Call 1800 007 007 for advice.

If you have any questions about how or when to use this letter or if you need advice before completing it, please call our Credit & Debt Legal Advice line on 1800 844 949 for legal advice in NSW. Or call 1800 007 007 for financial counselling advice.

Step 2: Find correct address for debt collector

You will need to look at correspondence from the debt collector to find out where to send this letter.

Step 3: Complete the questions below

  • Answer the questions below to customise your letter.
  • Click the Preview Letter button below. You will be prompted if there is missing information. 
  • To make changes to your answers, use the Click here to change your selections feature, on the preview letter page.

Step 4: Copy & Paste the letter into your email or Word program, and send it!

  • Copy & paste the letter into your email or a Word document.
  • You can make other changes but be careful about changing the auto-generated content – get advice first.
  • Email or post the letter to the other party.

Click here to change your selections

Click here to change your selections

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Claudia was comprehensive in her investigation of my pds and clearly communicated what my rights are and potential next steps. I have clear next steps to respond to the insurer in this case. Claudia helped to remove the emotional charge for me from this ongoing insurance issue and given me clear steps to resolution. Thank you so much.