Australian debt guide
Do I have to pay a debt collector?
By DebtReply · Sources checked
Being contacted does not establish that the claim is correct. Start by checking the account, amount and collector. The ACCC suggests asking for proof when you are unsure. If it is an old claim or court documents have arrived, get advice before deciding how to respond.
What do I need to check?
The ACCC’s dispute guide recommends confirming the claim. A useful starting file has three parts: the message you received, the account documents you already have, and a list of things that do not match. Keep questions separate from conclusions. You might recognise the original provider but still need an explanation of the balance.
What if I do not know enough to agree or disagree?
Legal Aid NSW describes requesting more information as one response to a demand. Our proof letter gives you a way to organise that request. Choose only the documents you need and verify the recipient before sending. A request does not guarantee that collection contact will stop.
How do I choose a letter?
Use the proof request when facts are missing. If you have identified a specific error, the dispute letter lets you state it. If you accept the claim but cannot pay, read the hardship guide. These are different tasks; avoid making a payment proposal simply to find out what an unfamiliar account is.
What can I do next?
- Put the letter or message somewhere you can find it.
- Note the collector, original provider, reference and amount claimed.
- Write down exactly what you want explained.
- Read your chosen draft before sending it and keep a copy.
- If you are unsure, use the free-help page to find a person to talk to.
Put your next step into words
Use a free starting-point letter, then check that every detail fits your situation.
Write the letter →Common questions
Does a letter prove the amount is right?
A demand sets out a claim. Check it against records and ask for information if something is unclear.
Can DebtReply decide whether I owe it?
No. DebtReply helps you organise a reply. A financial counsellor or legal adviser can help with your circumstances.
Which letter should I start with?
Use a proof request for missing information, or a dispute letter to explain a specific disagreement.
Sources you can check
- Disputing a debt ↗ACCC · Checked 26 September 2026
- Responding to a letter of demand (NSW) ↗Legal Aid NSW · Checked 26 September 2026
This guide explains a process. It has not been reviewed as advice for your situation. How we use sources.