​ሕግንና ደንብን በተመለከተ እርዳታ ማግኘት ይፈልጋሉን? - Amharic | هل تحتاج لمساعدة قانونية؟ - Arabic | ܤܢܝܼܩܵܐ ܝ݇ܘ̤ܬ ܠܗܲܝܵܪܬܵܐ ܩܵܢܘܿܢܵܝܬܵܐ؟ - Assyrian | Need Legal Help? - Auslan | Treba li vam pravna pomoc? - Bosnian | Burmese â Need Legal Help? | 需要法律帮助吗? - Chinese Simplified | 需要法律幫助嗎? - Chinese Traditional | Trebate li pravnu pomoć? - Croatian | ضرورت به کمک قانونی دارید؟ - Dari | Wïc Kuɔɔny në Wɛ̈t Löŋ? - Dinka | آیا به کمک حقوقی نیاز دارید؟ - Farsi | Gadreva na Veivuke Vakalawa? - Fijian | Kailangan ninyo ba ng tulong na panglegal? - Filipino | Besoin d’aide juridique ? - French | Χρειάζεστε βοήθεια σε νομικά ζητήματα - Greek | क्या आपको कानूनी सलाह चाहिए? - Hindi | Butuhkan Bantuan dalam Masalah Hukum? - Indonesian | Hai bisogno di assistenza legale? - Italian | ត្រូវការជំនួយលើបញ្ហាផ្លូវច្បាប់ឬទេ? - Khmer | 법적인 도움이 필요하십니까? - Korean | Ви треба ли помош со правни работи? - Macedonian | कानूनी सहयोग चाहिएको छ? - Nepalese | Necessita de ajuda com questões jurídicas? - Portuguese | Вам нужна юридическая помощь? - Russian | E Manaomia Fesoasoani i Mea Tau Tulafono? - Samoan | а ли вам треба помоћ у правним питањима? - Serbian | Ma u baahan tahay Caawimmad xagga sharciga ah?- Somali | ¿Necesita ayuda con cuestiones jurídicas? - Spanish | சட்ட உதவி தேவையா? - Tamil | ท่านต้องการความช่วยเหลือทางด้านกฎหมายไหม? - Thai | Fiema’u ha tokoni Fakalao? - Tongan | Yasal Danışmaya İhtiyacınız mı var? - Turkish | Cần Được Giúp Đỡ Về Luật Pháp? - Vietnamese |

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Responding to a letter of demand - Frequently Asked Questions

If the debt is a mortgage loan or credit card you should get legal advice. You may have other options  

1. I hav​​​e received a letter of demand​ from a debt collection company. What should I d​​o?​

If the letter of demand comes from a debt collection company you should treat it in the same way as you would if you received the letter from the creditor directly. For more information, see Responding to a letter of demand.


2. I have received a letter of demand from someone in a different state. What should I do?​​​​​

If the letter of demand comes from a creditor or a debt collection company or a lawyer in a different state, you should get legal advice.


3. I have received a letter of demand but I don't understand it. I don't know anything about this debt they say I owe. What can I do?​

You can write to the sender and ask for more information about the debt, such as copies of contracts, statements, invoices and letters. This is sometimes called a request for further and better particulars. For more information, see Sample letter asking for further and better particulars.

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4. What happens if I ask for more information and the creditor doesn't provide it?​

If the creditor doesn't provide the information you need to work out whether or not you owe any money. You should write a short letter to the creditor telling them that you can't work out whether or not you owe them any money until you have that extra information. However, this will not stop the creditor from starting a court case to get their money back.


5. I don't agree with the amount the creditor says I owe in the letter of demand. What should I do?​​​

If you think you don't owe them any money, you can write them a letter saying that you disagree and that you won't pay anything to them.

If you agree that you owe some money to the creditor but you don't think that you owe as much as the letter of demand is asking for, you can write back to the creditor. You can tell the creditor how much you believe you owe them and why you think that. You can also make an offer to pay the money you believe you owe. You can write 'Without Prejudice' on this letter, which means that even though you admit you owe some money, the creditor can't use this letter as evidence of an 'admission' you owe them money.

For more information, see Sample responses to letters of demand.

Car icon ​If the letter of demand is about a car accident and you don't agree that you were at fault or you disagree with th​e amount claimed, see Sample responses to letters of demand - car accidents.


6. Does mediation work?​​

Community Justice Centres say that over 80% of the mediations they hold result in an agreement being reached.

For more information, see Mediation.


7. Are people bound by an agreement reached in mediation?​

Agreements made in mediation are not legally binding or enforceable unless both parties to the agreement consent to it being made legally enforceable. An agreement reached by parties at mediation can also be used as the basis for a deed if both parties consent.

For more information, see Negotiation and Mediation.


8. I bought some furniture from a store 12 months ago. Now I have received a letter of demand for the cost of the furniture but it isn't from the store. Do I still have to pay?​​

You may still have to pay.

Before you decide if you owe the money or not, you could write to the sender and ask for more information. You should ask about the relationship between the sender and the store where you bought the furniture. Once you have that information, you may be able to decide if you owe the money or not. If you are still not sure if you owe the money, you should get legal advice.

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9. I have received a collection letter but it is addressed to someone who doesn't live here anymore. What should I do?

A collection letter is the same as a letter of demand. If the letter is addressed to someone who doesn't live at your house anymore, you could mark the letter 'Return to Sender - Addressee no longer lives here' and post it back to the sender. If you have an alternate address for the person you could provide that to the sender.