HERE TO HELP / Free letters. Clear next steps.

↳ A little less overwhelming.

Debt collector?
Find your
next step.

A letter. A call. A lot of questions. Start with plain-English guidance and free help, then take it from there.

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Grounded in guidance
you can check.

ASIC MoneysmartNational Debt
Helpline
AFCA

A place to start

What’s on your mind?

Pick the one that sounds like you.
We’ll point you to a useful source.

YOUR STARTING POINT 01

Start by understanding the claim.

Moneysmart explains how to ask for the contract and a statement showing the amount and how it was calculated.

Read Moneysmart’s guidance
Your free letter

Ask for proof of the debt

Build this letter
Prefer to talk it through? Find free help

Start with a question

Less searching.
More understanding.

Explore all ten guides

Try the private budget worksheet and contact log →

The idea is simple

Less “what now?”
More “I’ve got this.”

A small, practical toolkit to help you make sense of the situation and put your reply into words.

A little about DebtReply
01

Understand what’s in front of you.

Plain-English information, with the original sources a click away.

02

Find the words for your reply.

Five free letters to personalise. You choose what to say and whether to send it.

Explore the letters
03

Get a person on your side.

Find free help from the National Debt Helpline and other trusted services.

Explore free help

A person on your side

You don’t have to work
through this alone.

Free help: The National Debt Helpline puts you in touch with a free financial counsellor.

National Debt Helpline1800 007 007 Visit ndh.org.au