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Bad Debt Collection Letter

Bad Debt Collection Letter Template for Singapore

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Key Requirements PROMPT example:

Bad Debt Collection Letter

"I need a Bad Debt Collection Letter for an overdue payment of $25,000 from a Singapore-based retail client who has missed three consecutive monthly payments and hasn't responded to informal reminders since January 2025."

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Document background
The Bad Debt Collection Letter is a crucial document in Singapore's debt recovery process, typically issued when regular payment reminders have failed to secure payment. It serves as a formal demand for payment and often precedes legal action. The letter must comply with Singapore's strict regulations regarding debt collection practices, including the Protection from Harassment Act and Banking Act guidelines. This document should clearly state the debt amount, payment terms, and deadline while maintaining a professional tone that avoids any threatening language or harassment.
Suggested Sections

1. Recipient Details: Full name, address, and reference number of the debtor

2. Debt Details: Original amount, current balance, interest, payment history

3. Payment Demand: Clear statement of amount due and payment deadline

4. Legal Basis: Reference to underlying agreement or basis for debt

5. Payment Instructions: How and where to make payment

Optional Sections

1. Previous Communication Reference: Reference to prior attempts at collection, used when following up

2. Settlement Offer: Optional reduced payment offer, used for long-standing debts

3. Legal Consequences: Warning of potential legal action, used in final notices

Suggested Schedules

1. Statement of Account: Detailed breakdown of debt composition and calculation

2. Original Agreement: Copy of contract or agreement that led to the debt

3. Payment History: Record of previous payments and attempts at collection

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















Industries

Banking Act (Chapter 19): Primary legislation governing banking institutions and their debt collection practices in Singapore

Moneylenders Act (Chapter 188): Regulates moneylending businesses and their debt collection activities

Registration of Moneylenders Act: Controls the registration and operation of moneylenders in Singapore

Consumer Protection (Fair Trading) Act: Protects consumers against unfair practices and ensures fair trading standards

Consumer Protection (Trade Descriptions and Safety Requirements) Act: Ensures accurate trade descriptions and consumer safety in business practices

Personal Data Protection Act 2012 (PDPA): Governs the collection, use, and disclosure of personal data, crucial for handling debtor information

CCAS Guidelines: Guidelines from Credit Collection Association of Singapore for ethical debt collection practices

MAS Guidelines: Monetary Authority of Singapore's guidelines establishing standards for fair debt collection

Limitation Act (Chapter 163): Sets statutory time limits for debt recovery actions, typically 6 years for contractual debts

Penal Code (Chapter 224): Criminal law provisions relevant to debt collection, particularly regarding harassment and intimidation

Protection from Harassment Act (POHA): Legislation protecting individuals from harassment and unlawful stalking during debt collection

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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