---
title: "Unpaid strata levies: reminder, 30-day debt recovery notice and pre-action checklist (NSW)"
url: "https://ailawframework.com/precedents/strata-and-community-titles/levy-arrears-debt-recovery-notice-nsw"
type: "precedent"
site: "AI Law Framework"
id: "a47-levy-arrears-debt-recovery-notice-nsw"
area_id: "A47"
kind: "letter"
ai_level: "yellow"
version: 1
task_ids: ["A47-X20260927-8", "A47-R20260922-2"]
law_stated_as_at: "2026-10-18"
---

# Unpaid strata levies: reminder, 30-day debt recovery notice and pre-action checklist (NSW)

> A reminder letter and the 30-day written notice an NSW owners corporation must give before recovery action under s 86, with the interest calculation, payment-plan wording and a checklist of the preconditions.

Canonical page: https://ailawframework.com/precedents/strata-and-community-titles/levy-arrears-debt-recovery-notice-nsw  
Law stated as at: 2026-10-18

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

## Key facts

- Kind: Letter. A letter or email you adapt and send.
- Practice area: [Strata & Community Titles](https://ailawframework.com/precedents/strata-and-community-titles.md)
- Jurisdictions: New South Wales
- 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 New South Wales.

## When to use it

Use when strata levies in an NSW scheme are more than one month overdue and the owners corporation is considering recovery in the Tribunal or a court. Use the checklist before any statement of claim or Tribunal application is filed.

## Used for these tasks

- [Confirm the levy recovery preconditions and the earliest date proceedings may start](https://ailawframework.com/practice/strata-and-community-titles.md#A47-X20260927-8)
- [Reconcile a levy ledger to the notices](https://ailawframework.com/practice/strata-and-community-titles/reconcile-a-levy-ledger-to-the-notices.md)

## How AI may be used

AI may reconcile the levy ledger and draft the reminder and notice from it; a lawyer or the strata manager checks every amount, the interest and that each precondition to recovery is met before the notice is sent.

**AI may:**

- Reconcile the levy register against each levy notice, due date and payment
- Calculate interest at the statutory rate on each overdue contribution, showing the working
- Draft the reminder and the s 86 notice from the reconciled figures

**AI must not:**

- Must not decide that recovery may start, or state an earliest filing date, without the checklist being completed by the lawyer
- Must not include legal costs in the amount demanded as if already owing: reasonable recovery expenses are recoverable only by order
- Must not threaten action against an owner who has a payment plan being complied with, or a request for a plan that has not been decided

**The lawyer checks:**

- Each levy was validly raised and the levy notice gave the minimum notice to pay
- Interest is calculated at 10% simple only on contributions unpaid more than one month after the due date, and no resolution waived it
- The notice sets out the amount, the recovery action proposed, the due date, how to pay and whether a payment plan may be entered into
- At least 30 days have passed since the notice was given before any action, and no complying payment plan is in place

## Authorities

- [Strata Schemes Management Act 2015 (NSW) s 85 (interest at 10% simple from the due date if not paid within one month; payment plans)](https://legislation.nsw.gov.au/view/html/inforce/current/act-2015-050)
- [Strata Schemes Management Act 2015 (NSW) s 86 (recovery of unpaid contributions; 30 days notice; no action while a payment plan is complied with; order of application of payments)](https://legislation.nsw.gov.au/view/html/inforce/current/act-2015-050)
- [NSW Fair Trading, Levies: debt recovery notice content and minimum notice periods](https://www.nsw.gov.au/housing-and-construction/strata/serving-on-a-committee/levies)

## 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/strata-and-community-titles/levy-arrears-debt-recovery-notice-nsw 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.*