A debtor is a person that has an obligation to pay a debt to a creditor. This debt may be for such things as a car or personal loan, medical bills, rent or credit card charges. Occasionally a debtor may fall behind in his repayment and the creditor may employ a third party to recover the debt often referred to as debt collectors or collection agencies.

This letter is designed to help debtors take advantage of their rights under the Australian Competition and Consumer Commission (ACCC) and the Australian Securities and Investments Commissions (ASIC) which restrict the manner and frequency of contact by collection agencies. In addition, for your reference we have included Debt Collection Guidance which sets forth your rights as a debtor.

This lawyer-prepared packet contains:

1. General Information
2. Letter from Debtor to Collection Agency for use in Australia

Law Compliance: This form complies with the state and territory laws of Australia