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Dispute the debt

Explain that it is not yours, the amount is wrong or it has already been paid. Read the step-by-step guide first if you are unsure.

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01 Start with the basicsHave you received court documents about this claim?

Your name

Your postal address (optional)Only include contact details you want in your letter.

Letter date

02 Identify the claim

Collector or creditor nameUse the organisation’s verified name.

Account or collector reference

Original creditor (optional)

Amount claimed in AUD (optional)

Date of letter or call (optional)

03 Make the request yoursWhy do you dispute the claim?

Explain what needs checkingMention any records you can provide. Attach copies yourself when you send it.

Before you send

Read your complete draft ↓

Check the recipient independently and read every line.
Keep a copy and a record of when and how you sent it.
Attach relevant copies yourself. The builder does not attach files.
If the claim is old, get advice before paying or admitting it.

I have read the preview and checked the details are accurate.

Your draftUpdates as you type

Dispute of debt claim

[Your name]

[Date]

To: [Collector name]

Reference: [Reference number]

Dispute of debt claim

Dear Sir or Madam,

I am writing about your contact.

I dispute this claim because I do not believe this account belongs to me.

Please investigate this dispute and explain your findings in writing, with any supporting records. Please pause collection activity while you investigate.

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.

Check every detail before sending. This is general information, not individual advice.

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Sources you can check

Disputing a debt ↗ACCC · Checked 26 September 2026
Dealing with debt collectors ↗ASIC Moneysmart · Checked 26 September 2026

Before you send

Sources you can check

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You don’t have to work
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