Financial Rights Legal Centre
Call the National Debt Helpline
on 1800 007 007.
Debt collector (old debts)

Instructions to user:

Step 1: Read our legal information fact sheet

Before using this letter you should read our fact sheet on old debts.

  • If you are unsure as to 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.

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.

  • If the debt was originally a consumer credit debt (such as a credit card or personal loan) you should send this request to the internal dispute resolution (IDR) contact of the debt collector.
  • Click here to get these details from the Australian Financial Complaints Authority (AFCA) ‘find a financial firm’ web page or call AFCA on 1800 931 678 and ask for the IDR contact details of the relevant organisation.
  • Your debt collector (or your lender if they are chasing their own debt) will usually be required to be a member of this scheme by law if they are collecting a consumer credit debt.

Step 3: Complete the questions below

  • Answer the questions below to customise your letter.
  • Once you have completed the questions click the Preview Letter button below. The letter generator will prompt you if there is missing information.
  • If you realise you need to change your answers, use the Click here to change your selections feature, above or below the previewed letter.  Do NOT use the back arrows on the address bar or you will need to start all over again.

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

  • You will need to copy & paste the generated letter into your email or into a Word document in order to send the letter to the other party.
  • Once you have pasted the generated letter into your own email or Word program you can make additional changes to the main text of the letter, however we do not advise deleting any of the legal content that has been automatically generated.
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