Legal Templates
Debt Dispute Letter

Debt Dispute Letter Template for Denmark

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Debt Dispute Letter

I need a Debt Dispute Letter to challenge a €15,000 business debt from a Danish supplier, where they've charged us twice for the same service delivery in March 2025; the letter should reference our previous payment and include strong evidence of double-charging.

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What is a Debt Dispute Letter?

The Debt Dispute Letter is a crucial document used in Danish legal practice when contesting a debt claim. It serves as the primary means of formally challenging a debt's validity, amount, or terms under Danish jurisdiction. This document must comply with several Danish regulations, including the Limitation Act (Forældelsesloven), Debt Collection Act (Inkassoloven), and potentially the Consumer Protection Act if involving consumer debt. The letter should be used when there are legitimate grounds to dispute a debt claim, such as incorrect amounts, unauthorized charges, or violation of Danish debt collection practices. It typically includes detailed identification of the debt, specific dispute grounds, supporting evidence, and clear requests for action, while maintaining professional tone and legal compliance. The document's format and content are influenced by Danish legal requirements and best practices in debt dispute resolution.

What sections should be included in a Debt Dispute Letter?

1. Sender Details: Full name, address, and contact information of the person/entity disputing the debt

2. Recipient Details: Full name, address of the creditor or collection agency, including any reference numbers

3. Date and Reference Information: Current date and any relevant reference numbers for the debt or previous correspondence

4. Debt Information: Clear identification of the disputed debt, including account numbers, claimed amount, and date of origin

5. Dispute Grounds: Clear and specific statement of why the debt is being disputed, with reference to relevant facts and legal basis

6. Evidence Reference: Reference to any enclosed documentation that supports the dispute

7. Requested Action: Clear statement of what action is being requested (e.g., debt verification, correction of records, cessation of collection activities)

8. Response Timeline: Specification of expected timeline for response, in accordance with Danish law

9. Closing: Professional closing statement, signature, and printed name of the sender

What sections are optional to include in a Debt Dispute Letter?

1. Previous Correspondence: Reference to previous communication attempts, if any exist

2. Legal Representative Details: If represented by a lawyer, their contact information and authorization

3. Settlement Proposal: If applicable, terms for proposed settlement of the disputed debt

4. Without Prejudice Statement: Include if the letter contains settlement proposals or admissions

5. Statutory Declaration: If required, a formal declaration of the dispute's validity

6. Consumer Rights Statement: Include if the dispute involves consumer debt, referencing relevant consumer protection laws

What schedules should be included in a Debt Dispute Letter?

1. Payment History: Documentation of any payments made on the debt

2. Original Contract: Copy of the original agreement or contract related to the debt

3. Correspondence Log: Copies of previous relevant correspondence with the creditor

4. Supporting Evidence: Any documents supporting the dispute grounds (e.g., receipts, statements, calculations)

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

6. Proof of Identity: If required, documentation confirming the debtor's identity

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant Industries

Financial Services

Banking

Retail

Professional Services

Healthcare

Construction

Manufacturing

Telecommunications

Utilities

Real Estate

Education

Insurance

Relevant Teams

Legal

Finance

Credit Control

Collections

Compliance

Risk Management

Customer Relations

Accounts Receivable

Dispute Resolution

Corporate Affairs

Relevant Roles

Credit Manager

Collections Officer

Financial Controller

Legal Counsel

Compliance Officer

Accounts Receivable Manager

Risk Manager

Debt Recovery Specialist

Consumer Rights Advisor

Finance Director

Corporate Lawyer

Customer Service Manager

Credit Control Supervisor

Financial Operations Manager

Industries
Danish Limitation Act (Forældelsesloven): Sets the statutory limitation periods for debt claims, generally 3 years for most claims. Essential for determining if the debt claim is still valid and enforceable.
Danish Debt Collection Act (Inkassoloven): Regulates debt collection practices and procedures, including requirements for debt collection notices and fees that can be charged in connection with debt collection.
Danish Administration of Justice Act (Retsplejeloven): Governs legal proceedings and enforcement of claims, including the process for obtaining judgments in debt cases and subsequent enforcement actions.
Danish Contracts Act (Aftaleloven): Provides the legal framework for contract formation and validity, which is crucial for establishing the legitimacy of the underlying debt agreement.
Danish Interest Act (Renteloven): Regulates the calculation and charging of interest on overdue payments, including default interest rates and when interest can begin to accrue.
Danish Consumer Protection Act (Forbrugeraftaleloven): Provides additional protections if the debt dispute involves a consumer, including specific requirements for information and fair treatment.
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,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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