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Debt Collection Response Letter

Debt Collection Response Letter Template for Malaysia

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Debt Collection Response Letter

"I need a Debt Collection Response Letter to dispute a claimed debt of RM50,000 from ABC Bank, as I have evidence of full payment made on January 15, 2025, and want to request immediate removal of the collection notice."

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Document background
The Debt Collection Response Letter is a crucial document used when responding to debt collection notices or demands in Malaysia. It serves as a formal written response to creditors or debt collection agencies, providing a structured way to acknowledge receipt of the debt claim, state the debtor's position, and propose resolution steps. This document must comply with Malaysian legislation, including the Debt Collectors Act 2010, Limitation Act 1953, and Consumer Protection Act 1999. The letter can be used to accept, dispute, or request verification of the debt, outline payment proposals, or assert legal rights. It may also include supporting documentation and should maintain a professional tone while protecting the debtor's legal interests under Malaysian jurisdiction.
Suggested Sections

1. Recipient Details: Full name and address of the debt collector/creditor, including any reference numbers provided

2. Subject Line: Clear identification of the debt account/reference number and purpose of the letter

3. Debt Acknowledgment: Statement acknowledging receipt of the debt collection notice and reference to when it was received

4. Debt Details: Specific details of the debt being claimed, including amount and origin

5. Response Statement: Clear statement of your position regarding the debt (accepting, disputing, or requesting verification)

6. Action Plan: Specific actions being taken or proposed regarding the debt

7. Closing: Professional closing statement with clear next steps and contact information

Optional Sections

1. Dispute Details: Include when contesting the debt, outlining specific reasons for dispute and any errors identified

2. Hardship Statement: Include when requesting consideration due to financial hardship, with brief explanation of circumstances

3. Payment History: Include when relevant to demonstrate previous payments or payment attempts

4. Legal Rights Statement: Include when asserting specific legal rights or when responding to aggressive collection practices

5. Limitation Period Claim: Include when the debt may be statute-barred under the Limitation Act 1953

6. Request for Verification: Include when requesting debt verification or additional documentation

Suggested Schedules

1. Proof of Payments: Copies of any relevant payment receipts or bank statements showing payments made

2. Supporting Documentation: Any relevant documents supporting your position (e.g., previous correspondence, account statements)

3. Financial Hardship Evidence: Documentation supporting hardship claims (if applicable)

4. Identity Verification: Copies of identification documents if required for verification purposes

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 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

Retail

Healthcare

Telecommunications

Utilities

Education

Professional Services

Real Estate

Manufacturing

Construction

Insurance

Consumer Goods

Relevant Teams

Legal

Finance

Accounts Receivable

Credit Control

Risk Management

Compliance

Corporate Secretarial

Collections

Treasury

Debt Recovery

Relevant Roles

Finance Manager

Credit Controller

Accounts Receivable Manager

Legal Counsel

Compliance Officer

Debt Recovery Specialist

Financial Controller

Credit Risk Manager

Collections Manager

Corporate Secretary

Chief Financial Officer

Accounts Manager

Legal Manager

Risk Management Officer

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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