Check a collection letter and contact sequence against the debt collection guideline
Key facts
- Human involvement
- YellowClose supervision
- How AI is used
- Compare each letter, SMS, email and call script in the creditor’s collection sequence, and a sample of the contact log, with the ACCC and ASIC debt collection guideline, and list every passage or contact that may overstate the legal consequence of non-payment, misdescribe the debt, threaten a step the creditor cannot take, or exceed a reasonable contact pattern, citing the guideline section.
- What the lawyer must review
- The lawyer decides which flagged items breach the Australian Consumer Law, the ASIC Act or the guideline, rewrites the passages that do, and confirms the contact pattern and times against the guideline before the sequence is used again.
- Written for / version
- US
Open a jurisdiction version of this task to see which instruments apply: US
Who does what
| Role | What they do |
|---|---|
| Assistance | Compare each letter, SMS, email and call script in the creditor’s collection sequence, and a sample of the contact log, with the ACCC and ASIC debt collection guideline, and list every passage or contact that may overstate the legal consequence of non-payment, misdescribe the debt, threaten a step the creditor cannot take, or exceed a reasonable contact pattern, citing the guideline section. |
| Lawyer | Set the scope, supervise the work closely, verify every part relied on, resolve omissions and exceptions, and approve the exact output. |
Checklist
- Check every statement about court action, credit listing, costs or arrest against what the creditor can lawfully do next.
- Confirm the contact log sample covers the busiest collectors and the latest period.
- Check the revised letters name the creditor and the debt accurately and do not imply a government or court source.
Sources
- ASIC RG 96 Debt collection guideline: for collectors and creditors (ACCC and ASIC, 13 April 2021) · 2026-10-18
- ACCC — Debt collection rules · 2026-10-18
These are suggested working checks. Confirm the required checking with the responsible lawyer before work starts; the checking approach does not establish permission to use AI.