Free letter builder

Reply about an old debt

Ask for records about an old claim, after getting advice about your circumstances. Read the step-by-step guide first if you are unsure.

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Before writing about an old debt

The ACCC recommends getting legal advice before paying or confirming an old debt in writing. Payment history, written acknowledgement and court action can matter. Read the source.

Get free help before deciding what to send. This builder cannot tell whether a debt is statute-barred.

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 yours

Last payment date, if knownFor your own preparation only. This date is not included in the letter.

The draft asks for records. It makes no claim that a time limit has expired.

I have obtained advice about using this letter for my circumstances.

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

Request for records about an old alleged debt

[Your name]

[Date]

To: [Collector name]

Reference: [Reference number]

Request for records about an old alleged debt

Dear Sir or Madam,

I am writing about your contact.

I am seeking advice about this old claim. I do not admit liability for the alleged debt.

Please provide the original agreement, an account statement and records of any payment or written acknowledgement on which you rely.

Please confirm whether you rely on a court judgment. If so, please provide the court name, case number, judgment date and a copy of the judgment.

Please explain the basis on which you are pursuing this claim and pause collection contact while I obtain advice.

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
Debt collection: old debts ↗National Debt Helpline · Checked 26 September 2026

Before writing about an old debt

Before you send

Sources you can check

You don’t have to work through this alone.

You don’t have to work
through this alone.