---
title: "Debt collection conduct checklist (ACCC and ASIC guideline): contact, disputes and representations"
url: "https://ailawframework.com/precedents/debt-recovery-and-civil-enforcement/debt-collection-guideline-compliance-checklist"
type: "precedent"
site: "AI Law Framework"
id: "a46-debt-collection-guideline-compliance-checklist"
area_id: "A46"
kind: "checklist"
ai_level: "yellow"
version: 1
task_ids: ["A46-R20260922-1", "A46-X20260927-4"]
law_stated_as_at: "2026-10-18"
---

# 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…

Canonical page: https://ailawframework.com/precedents/debt-recovery-and-civil-enforcement/debt-collection-guideline-compliance-checklist  
Law stated as at: 2026-10-18

Site index for agents: https://ailawframework.com/llms.txt

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.

## Key facts

- Kind: Checklist. Steps or checks to work through and tick off.
- Practice area: [Debt Recovery & Civil Enforcement](https://ailawframework.com/precedents/debt-recovery-and-civil-enforcement.md)
- Jurisdictions: Australia
- AI level: Yellow. AI can help in set ways. A lawyer checks specific points before use.
- Law stated as at: 2026-10-18
- Status: Maintained. Checked on 2026-10-18 against the 3 authorities it cites, for Australia.

## 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

- [Draft a letter of demand from the contract and the ledger](https://ailawframework.com/practice/debt-recovery-and-civil-enforcement/draft-a-letter-of-demand-from-the-contract-and-the-ledger.md)
- [Build the debtor's means and asset picture before choosing an enforcement step](https://ailawframework.com/practice/debt-recovery-and-civil-enforcement.md#A46-X20260927-4)

## 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

## Authorities

- [ACCC and ASIC, Debt collection guideline for collectors and creditors (April 2021), part 2 ss 1 to 24](https://www.accc.gov.au/system/files/Debt%20collection%20guideline%20for%20collectors%20and%20creditors%20-%20April%202021.pdf)
- [ACCC and ASIC, Debt collection guideline: Part 3, Commonwealth consumer protection laws (physical force, undue harassment and coercion; misleading or deceptive conduct; unconscionable conduct)](https://www.accc.gov.au/system/files/Debt%20collection%20guideline%20for%20collectors%20and%20creditors%20-%20April%202021.pdf)
- [ACCC, Guideline on debt collection for collectors and creditors (publication page)](https://www.accc.gov.au/about-us/publications/guideline-on-debt-collection-for-collectors-and-creditors)

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/debt-recovery-and-civil-enforcement/debt-collection-guideline-compliance-checklist and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*