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Debt Collection Response Letter

Debt Collection Response Letter Template for Philippines

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Debt Collection Response Letter

"I need a Debt Collection Response Letter to dispute a PHP 50,000 credit card debt claim received on January 15, 2025, requesting debt verification and asserting that the amount appears to be incorrectly calculated."

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Document background
The Debt Collection Response Letter is a crucial document used in the Philippine legal context when responding to debt collection attempts. It serves as a formal written response to collection notices, whether from original creditors, collection agencies, or debt purchasers. This document is essential when a party needs to acknowledge receipt of a collection notice, dispute a debt's validity, request debt verification, or propose payment arrangements. The letter must comply with Philippine consumer protection laws, the Civil Code, and BSP regulations regarding debt collection practices. It's particularly important as it establishes a formal record of communication, asserts the respondent's rights, and can help prevent unfair collection practices while maintaining professional dialogue with creditors.
Suggested Sections

1. Recipient Details: Full name and address of the debt collector or collection agency

2. Reference Information: Account numbers, claim references, and any relevant identification numbers

3. Acknowledgment: Confirmation of receiving the debt collection notice with its date

4. Debt Details: Statement of the claimed debt amount and nature as presented by the collector

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

6. Legal Rights Declaration: Statement asserting your rights under Philippine law regarding debt collection

7. Action Request: Specific requests for debt verification or cessation of communication if applicable

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

Optional Sections

1. Dispute Details: Include when contesting the validity or amount of the debt, providing specific reasons for dispute

2. Payment History: Include when relevant to show previous payments or settlement attempts

3. Payment Proposal: Include when offering a payment plan or settlement proposal

4. Hardship Declaration: Include when requesting consideration due to financial hardship

5. Statute of Limitations: Include when the debt may be time-barred under Philippine law

6. Representation Notice: Include when legal representation has been obtained

7. Cease Communication Request: Include when requesting that all future communication be directed to a legal representative

Suggested Schedules

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

2. Debt Verification Request: Detailed list of documents requested to verify the debt

3. Supporting Documentation: Any relevant documents supporting your position (e.g., correspondence, agreements)

4. Financial Statement: If proposing a payment plan, a summary of financial situation

5. Power of Attorney: If applicable, documentation showing legal representation

Authors

Alex Denne

Head of Growth (Open Source Law) @ 黑料视频 | 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

Real Estate

Professional Services

Consumer Credit

Insurance

Relevant Teams

Legal

Finance

Compliance

Risk Management

Customer Service

Credit Control

Collections

Accounts Receivable

Corporate Secretariat

Consumer Affairs

Relevant Roles

Credit Manager

Collections Officer

Financial Controller

Accounts Receivable Manager

Legal Counsel

Compliance Officer

Risk Manager

Customer Service Manager

Finance Director

Credit Analyst

Debt Recovery Specialist

Consumer Rights Advocate

Corporate Secretary

Chief Financial 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, 聽Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination, 聽Severance Pay, Governing Law, Entire Agreemen

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