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Cease Collection Letter

Cease Collection Letter Template for Australia

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Key Requirements PROMPT example:

Cease Collection Letter

"I need a Cease Collection Letter to stop collection activities regarding a disputed telecommunications debt of $3,500, where I have evidence of payment made in January 2025 but am still being contacted by collectors."

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Document background
The Cease Collection Letter is a crucial document used in Australian debt collection proceedings when a debtor wishes to formally request the cessation of collection activities. It is designed to comply with Australian Consumer Law, the Privacy Act 1988, and other relevant federal and state legislation governing debt collection practices. This document becomes necessary when a debtor needs to stop contact from debt collectors due to various circumstances such as disputed debts, bankruptcy, resolved debts, or harassment. The letter must include specific information about the debt, the parties involved, and clear instructions regarding future communications. It serves as a formal record of the request and can be used as evidence if debt collectors continue their activities in violation of the request.
Suggested Sections

1. Sender Details: Full name, address, and any relevant account numbers of the person sending the letter

2. Recipient Details: Debt collector's or collection agency's name, address, and any relevant reference numbers

3. Date: Current date of the letter

4. Debt Information: Clear identification of the debt in question, including account numbers and original creditor details

5. Cease Collection Request: Clear statement requesting the cessation of all collection activities

6. Legal Rights Statement: Reference to relevant consumer rights under Australian law

7. Communication Preferences: Clear statement of how any future necessary communications should be conducted

8. Signature: Formal signature block with sender's name and signature

Optional Sections

1. Debt Dispute: Section to be included if the debt is being disputed, including grounds for dispute

2. Bankruptcy Notice: To be included if the sender has filed for bankruptcy or entered into a formal debt agreement

3. Representative Authorization: To be included when the letter is being sent by an authorized representative

4. Financial Hardship: Section detailing financial hardship circumstances if relevant

5. Previous Communication Reference: To be included if referencing previous communications about the debt

6. Consumer Complaint Details: To be included if filing a complaint about collection practices

Suggested Schedules

1. Proof of Identity: Copies of identification documents to verify the sender's identity

2. Debt Documentation: Copies of relevant debt statements or correspondence

3. Authorization Documents: If applicable, documents showing authority to act on behalf of the debtor

4. Supporting Evidence: Any additional documentation supporting disputes or claims made in the letter

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant Industries

Financial Services

Banking

Retail

Healthcare

Telecommunications

Utilities

Consumer Services

Professional Services

Insurance

Education

Relevant Teams

Legal

Finance

Compliance

Risk Management

Customer Service

Collections

Consumer Affairs

Credit Management

Dispute Resolution

Operations

Relevant Roles

Credit Manager

Collections Officer

Financial Controller

Legal Counsel

Compliance Officer

Consumer Rights Advocate

Debt Recovery Specialist

Financial Advisor

Bankruptcy Trustee

Customer Service Manager

Risk Manager

Legal Administrator

Consumer Protection Officer

Industries
Australian Consumer Law (ACL): Part of the Competition and Consumer Act 2010, this legislation provides consumer protections against harassment and coercion in debt collection practices and sets standards for fair business conduct.
Privacy Act 1988: Regulates how personal information must be handled, including credit and financial information, ensuring privacy principles are followed in debt collection communications.
Australian Securities and Investments Commission Act 2001: Provides additional consumer protection in relation to financial services and products, including debt collection practices related to financial services.
Debt Collectors (Field Agents and Collection Agents) Act 2014: State-based legislation (varies by state) that regulates debt collection practices and licensing requirements for debt collectors.
National Consumer Credit Protection Act 2009: Regulates consumer credit and related activities, including provisions about debt collection practices related to consumer credit.
National Credit Code: Schedule 1 of the National Consumer Credit Protection Act, which contains specific provisions about credit contracts and related enforcement rights.
ACCC/ASIC Debt Collection Guidelines: While not legislation, these guidelines provide important regulatory guidance on compliance with the law in debt collection practices.
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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