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Debt Collection Dispute Letter

Debt Collection Dispute Letter Template for Hong Kong

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Key Requirements PROMPT example:

Debt Collection Dispute Letter

"I need a Debt Collection Dispute Letter to contest a HKD 50,000 credit card debt that I believe has been incorrectly calculated, and to report aggressive collection practices by ABC Collection Agency who have been calling my workplace multiple times per day."

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Document background
The Debt Collection Dispute Letter is a crucial legal document used in Hong Kong when challenging debt collection claims or practices. It is typically employed when a debtor wishes to contest the validity of a debt, dispute the amount being claimed, or report inappropriate collection practices. The document must align with Hong Kong's legal framework, including the Money Lenders Ordinance, Personal Data (Privacy) Ordinance, and relevant consumer protection laws. This letter serves multiple purposes: it formally notifies the creditor or collection agency of the dispute, demands verification of the debt, outlines specific areas of contention, and requests specific actions for resolution. It's particularly important in Hong Kong's business environment where debt collection practices are strictly regulated, and debtors have specific rights under local law.
Suggested Sections

1. Sender's Details: Full name, address, and any reference numbers of the person/entity sending the letter

2. Recipient's Details: Full name and address of the debt collector/collection agency/creditor

3. Account Information: Relevant account or reference numbers related to the disputed debt

4. Debt Details: Clear statement of the debt amount being disputed and original creditor information

5. Dispute Statement: Clear and concise statement that the debt is disputed and why

6. Evidence Reference: Reference to any enclosed evidence that supports your dispute

7. Demand for Verification: Request for verification of the debt and supporting documentation

8. Required Actions: Clear statement of what actions you expect the recipient to take

9. Response Timeline: Specified timeframe for the recipient to respond

10. Legal Rights Statement: Statement preserving your legal rights and referring to relevant legislation

Optional Sections

1. Harassment Complaint: Section detailing any harassment or inappropriate collection practices, to be included if such incidents have occurred

2. Interest Dispute: Section challenging interest calculations or fees, if these are part of the dispute

3. Statute of Limitations: Section raising the statute of limitations if the debt is time-barred

4. Third Party Authorization: Section authorizing a third party to act on your behalf, if applicable

5. Without Prejudice Statement: Statement marking the letter as 'without prejudice' if attempting settlement negotiations

Suggested Schedules

1. Payment History Records: Copies of relevant payment records or bank statements

2. Original Contract: Copy of the original credit agreement or contract

3. Correspondence Log: Timeline of previous correspondence with the debt collector/creditor

4. Evidence of Harassment: Documentation of any harassment incidents (call logs, recordings, witnesses)

5. Identity Verification: Copies of identity documents if disputing the debt ownership

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

Banking & Financial Services

Credit & Lending

Retail

Telecommunications

Utilities

Healthcare

Legal Services

Debt Collection

Insurance

Real Estate

Relevant Teams

Legal

Collections

Credit Control

Compliance

Risk Management

Customer Relations

Financial Operations

Accounts Receivable

Consumer Protection

Dispute Resolution

Relevant Roles

Credit Manager

Collections Manager

Legal Counsel

Compliance Officer

Risk Manager

Debt Recovery Specialist

Customer Relations Manager

Financial Controller

Accounts Receivable Manager

Legal Administrator

Consumer Rights Officer

Debt Collection Officer

Credit Control Supervisor

Legal Operations 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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