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Debt Collection Notice

Debt Collection Notice Template for Australia

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Key Requirements PROMPT example:

Debt Collection Notice

"I need a Debt Collection Notice for a telecommunications service debt of $3,500 that's been outstanding for 90 days, to be compliant with Australian consumer law and include hardship provisions for customers affected by recent natural disasters."

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Document background
The Debt Collection Notice is a critical document used in Australian business operations when formal communication regarding outstanding debts is required. It serves as an official notification that complies with Australian Consumer Law, the ACCC/ASIC Debt Collection Guidelines, and relevant state-specific regulations. This document is typically issued after informal collection attempts have been unsuccessful and before considering legal action. It must include specific information about the debt, payment requirements, and consumer rights, while avoiding any threatening or harassment-like language that could violate Australian consumer protection laws. The notice is designed to balance the creditor's right to collect legitimate debts with the debtor's right to fair treatment and privacy protection under Australian legislation.
Suggested Sections

1. Creditor Details: Full legal name and contact information of the creditor organization

2. Debtor Information: Full name and address of the debtor as recorded in creditor's systems

3. Debt Details: Clear itemization of the debt amount, including original amount, interest, fees, and total amount due

4. Payment Due Date: Clear statement of when payment is required and consequences of non-payment

5. Payment Methods: Available payment options and detailed instructions for making payment

6. Debt Verification Statement: Statement confirming the debt's validity and the creditor's right to collect

7. Consumer Rights Notice: Mandatory section outlining the debtor's rights under Australian Consumer Law

8. Contact Information: How to contact the creditor or collection agency to discuss the debt or arrange payment

Optional Sections

1. Payment Plan Options: Include when the creditor is willing to offer installment payments or payment arrangements

2. Hardship Provisions: Include when acknowledging potential financial hardship and available assistance options

3. Dispute Resolution Process: Include when there's a specific internal dispute resolution process to be followed

4. Third-Party Authorization: Include when the debt has been assigned or when a collection agency is acting on behalf of the original creditor

5. Previous Communication Reference: Include when this notice follows previous attempts to collect the debt

Suggested Schedules

1. Schedule A - Debt Breakdown: Detailed itemization of the debt components including principal, interest, fees, and charges

2. Schedule B - Payment History: Summary of previous payments made and remaining balance

3. Appendix 1 - Supporting Documentation: Copies of relevant invoices, statements or contracts proving the debt

4. Appendix 2 - Consumer Rights Information Sheet: Detailed information about consumer rights and protections under Australian law

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions

























Clauses




















Relevant Industries

Financial Services

Banking

Retail

Telecommunications

Utilities

Healthcare

Professional Services

Education

Insurance

Property Management

Construction

Manufacturing

Relevant Teams

Collections

Accounts Receivable

Finance

Legal

Compliance

Risk Management

Customer Service

Credit Management

Operations

Relevant Roles

Credit Controller

Accounts Receivable Manager

Collections Manager

Financial Controller

Credit Manager

Debt Recovery Specialist

Compliance Officer

Legal Counsel

Finance Manager

Accounts Manager

Risk Manager

Customer Service Manager

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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