[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-detail-168844-en":3,"doc-seo-168844-105":29,"detail-sidebar-cat-1-en-105":89},{"code":4,"msg":5,"data":6},0,"success",{"doc_id":7,"user_id":8,"nickname":9,"user_avatar":10,"doc_module":11,"category_id":12,"category_name":13,"doc_title":14,"doc_description":15,"doc_content":16,"file_id":17,"file_url":18,"file_type":19,"file_size":20,"view_count":4,"is_deleted":4,"is_public":11,"is_downloadable":11,"audit_status":11,"page_count":21,"language":22,"language_code":23,"site_id":24,"html_lang":23,"table_of_contents":25,"faqs":26,"seo_title":27,"seo_description":15,"update_tm":28,"read_time":11},168844,13056703019662,"Evangeline","https://ap-avatar.wpscdn.com/avatar/be000253a8e92610077?_k=1778726343310543188",1,18,"Letters","Worker template - Letter of demand to debt collector","A demand letter template for workers to respond to a debt collection claim by denying that the client owes the alleged debt. The letter requests documentary proof and specific supporting materials, including contracts, account statements, debt calculation details, and related legal documents, with a 14-day deadline. It instructs the debt collector to direct communication to the office only, to hold collection activity while documents are provided, and notes that court costs may follow legal action. It also highlights prohibited practices and limits on collector charges.","Worker template\nLetter of demand to debt collector to request documents and deny debt\nWhat is this template for?\nThis template letter is used to deny that your client owes a debt and to ask for documentary proof.\nWhat do I need to know before using this template?\nThe information in this template is not legal advice. If you have any questions about your client's situation, please contact Consumer Action Law Centre.\nUnder the law a debt collector must not contact your client by a method that your client has asked not to be used unless there is no other method available.\nCertain debt collection practices are prohibited. They include harassing your client or your client's family, disclosing personal information to others, using intimidation and falsely representing the outcome of debt collection. Find out about other prohibited debt collection practices \u0013 HYPERLINK \"https://consumeraction.org.au/resources-and-toolkits/debt-collection-im-being-hassled-by-a-debt-collector-what-should-i-do/\" \u0014here\u0015.\nIn Victoria, debt collectors cannot charge a debtor for debt collection costs (exceptions apply to debt collection relating to credit contracts and business debts so please seek advice from our worker line if you see debt collection charges)\nYour client can take legal action and seek compensation if prohibited debt collection practices continue.\nIf a debt collector refuses to provide proof of the debt you should seek legal advice.\nWorker help\nFor legal advice on consumer matters for Victorian Financial Counsellors or other Victorian community workers, call us on our Worker Advice Line (03) 9602 3326, or email us at: \u0013 HYPERLINK \"mailto:advice@consumeraction.org.au\" \u0014advice@consumeraction.org.au\u0015\n\u000f[Insert your details]\n[your address]\n[your address]\nEmail: [insert]\n[date]\n[Insert name of creditor]\n[address]\n[address]\nDear Sir/Madam\nAlleged debt owed to [insert] by [your name]\nI act on behalf of [client's name] in relation to the alleged debt that your company says he/she owes to \u0013 FORMTEXT \u0014[Creditor]\u0015 (the alleged debt). I enclose his/her authority to act.\nI refer to your \u0013 FORMTEXT \u0014letter/ email/ phone call\u0015 dated *** regarding the alleged debt.  My client denies liability for the alleged debt.\nPlease direct all communication in relation to this matter to our office and make no direct contact with my client.\nSo that we can assess the merits of your claim and any claims our client may have in relation to the alleged debt we request that you provide us with the following documents:\n1. contract/s relating to the alleged debt\n2. any account statements relating to the alleged debt\n3. details of how the amount of the debt was calculated\n4. any writs or other legal documents relating to this account.\nPlease provide the above information and documents within 14 days.\nYou should note that if you do take legal action against my client you will have to provide proof of the debt.  We are not authorised by our client to acknowledge, admit or ratify any agreement or the alleged debt and this letter is not to be taken as doing so.\nHold collection activity\nI request that you hold any action in relation to the alleged debt until at least 14 days after the documentation that I’ve requested has been received, so that my client can obtain legal advice. This is in line with the ASIC/ACCC Debt Collection Guidelines: for Collectors and Creditors.\nIf you take any court action against my client in the meantime this letter will be produced on the question of costs.\nYours sincerely,\nYour name","cbCaiaOJ2yuRhV1u","https://ap.wps.com/l/cbCaiaOJ2yuRhV1u","docx",29218,3,"English","en",105,"# What is this template for?\n## Key legal reminders before using the template\n# Letter structure and required information\n## Request for documentary proof (14 days)\n## Hold collection activity and costs notice\n# Closing","[{\"question\":\"What is the purpose of this worker template letter?\",\"answer\":\"It is used to deny that the client owes the alleged debt and to request documentary proof from the debt collector or creditor.\"},{\"question\":\"What documents does the letter request within the 14-day timeframe?\",\"answer\":\"It requests contracts relating to the alleged debt, account statements, details of how the debt amount was calculated, and any writs or other legal documents relating to the account.\"},{\"question\":\"What should the debt collector do regarding communication and collection activity?\",\"answer\":\"The collector should direct all communication to the office and make no direct contact with the client, and they should hold collection activity until at least 14 days after the requested documentation is received.\"}]","Worker template - 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