Got a letter from a debt collector? Here's how to reply.

DebtReply / Australia

[Your name]

[Date]

To: [Collector name]

Reference: [Reference number]

Request for information about an alleged debt

Dear Sir or Madam,

I am writing about your recent contact, reference [Reference number].

Please provide the following so I can understand and check the claim:

• A copy of the original contract or agreement

• An itemised account statement showing the amount claimed, interest, fees and payments

• Documents showing who owns the account and your authority to collect it

• The recorded date of default

Please pause collection contact while you provide this information. This request is not an admission of liability.

Please respond in writing.

Yours faithfully,

[Your name]

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This is general information to help you write your own letter. It isn't legal or financial advice and doesn't consider your situation. For free, confidential help, call the National Debt Helpline on 1800 007 007.