Checklist · Debt Recovery & Civil Enforcement
Debt collection conduct checklist (ACCC and ASIC guideline): contact, disputes and representations
File checklist applying the ACCC and ASIC debt collection guideline to individual debtors: contact hours and frequency, represented and vulnerable debtors, disputes, bankruptcy, statements about consequences and record keeping.
- Kind
- Checklist. Steps or checks to work through and tick off.
- Where it applies
- Australia
- AI use
- Yellow AI can help in set ways. A lawyer checks specific points before use.
- Law stated as at
- 18 October 2026
- Status
- Maintained. Checked on 18 October 2026 against the 3 authorities it cites, for Australia.
- Version
- 1
- Source
- Written for this library
When to use it
Use when setting up a recovery matter or collection program for individual debtors, before each new contact stream, and when auditing correspondence and call logs. It applies to the creditor and to the law practice or agency collecting for it.
Used for these tasks
Each task page says how far AI may help with the task and what the lawyer must review.
How AI may be used
AI may run this checklist across call logs and draft correspondence and flag possible breaches; a lawyer decides what is a breach and what must change.
AI may
- Count actual contacts per week and per month from call and message logs and flag any account above the guideline's recommended limits
- Flag contact attempts outside the guideline's reasonable hours for the debtor's state or territory
- Flag letters that mention legal action, bankruptcy, sheriff attendance or credit listing so a lawyer can check each statement is accurate and instructed
AI must not
- Must not decide that a contact pattern is lawful because it is under the numeric limits; the guideline treats those as recommendations within a general rule against undue harassment
- Must not generate new collection messages to debtors flagged as disputing, represented, bankrupt or in hardship
- Must not be given debtor personal information in a tool outside the firm's approved environment
The lawyer checks
- Every flagged account has been reviewed and the decision recorded
- Statements about consequences of non-payment are accurate and reflect actual instructions
- Disputed, represented, hardship and bankrupt accounts have been taken out of the automated contact stream
Method: how the Green, Yellow and Red levels are decided. This is guidance for planning, not legal advice.
Read the full text
The full text is for signed-in accounts. It is free. When you sign in you can:
- read the whole precedent, with its drafting notes beside it;
- copy it, or download it as a Word file or Markdown;
- add it to your firm’s knowledge base, so colleagues can find it;
- let the AI tools you connect read it from that knowledge base.
The summary, the law it rests on and the AI-use guidance above stay public. Privacy.
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All precedents for Debt Recovery & Civil Enforcement · Tasks and AI use in this area