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Debt Collection Letter

Debt Collection Letter Template for Indonesia

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Key Requirements PROMPT example:

Debt Collection Letter

"I need a Debt Collection Letter for an outstanding payment of IDR 250,000,000 owed by a commercial tenant who has missed three months of rent payments, with a final payment deadline of March 15, 2025, before we initiate legal proceedings."

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Document background
A Debt Collection Letter is a crucial document used when formal attempts are made to recover outstanding debts in Indonesia. It serves as an important step in the debt recovery process, typically issued after informal payment requests have been unsuccessful. The document must comply with Indonesian legal requirements, including the Indonesian Civil Code (KUHPerdata), OJK regulations, and consumer protection laws. The letter should include specific details about the debt, payment history, current amount due including any interest or penalties, and clear payment instructions. It's essential that the document maintains a professional tone while clearly stating the consequences of non-payment, all within the bounds of Indonesian law. This type of document is commonly used by financial institutions, businesses, and collection agencies, often serving as a prerequisite before pursuing more serious legal action.
Suggested Sections

1. Header Information: Sender's details, recipient's details, date, and reference number

2. Subject Line: Clear indication that this is a debt collection notice

3. Debt Details: Specific information about the outstanding debt, including original amount, current amount, interest accrued, and account/reference numbers

4. Payment Demand: Clear statement of the amount due and deadline for payment

5. Payment Instructions: Detailed information on how and where to make the payment

6. Legal Basis: Reference to the underlying agreement or basis for the debt

7. Consequences: Professional explanation of next steps if payment is not received by the deadline

8. Contact Information: Details for how the debtor can contact you to discuss the matter

9. Signature Block: Official signature, name, and title of the authorized representative

Optional Sections

1. Previous Communications: Reference to prior collection attempts and communications - include if this is not the first notice

2. Payment Plan Options: Include if the creditor is willing to offer payment arrangements or settlements

3. Dispute Rights: Information about the debtor's right to dispute the debt - include if required by applicable regulations

4. Supporting Documentation: Reference to enclosed documents proving the debt - include if not previously provided

5. Third Party Authorization: Include if the letter is being sent by a collection agency or law firm on behalf of the original creditor

Suggested Schedules

1. Statement of Account: Detailed breakdown of the debt, including principal, interest, and any fees

2. Payment History: Record of previous payments and attempts to collect

3. Original Agreement: Copy of the original agreement or contract that created the debt

4. Previous Correspondence: Copies of previous collection notices or relevant communications

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

Banking

Financial Services

Retail

Commercial Lending

Real Estate

Healthcare

Telecommunications

Utilities

Insurance

Professional Services

Manufacturing

Construction

Education

Relevant Teams

Legal

Finance

Credit Control

Collections

Accounts Receivable

Risk Management

Treasury

Compliance

Corporate Affairs

Operations

Relevant Roles

Credit Manager

Collections Officer

Finance Director

Accounts Receivable Manager

Legal Counsel

Debt Recovery Specialist

Financial Controller

Credit Control Officer

Risk Manager

Treasury Manager

Collections Supervisor

Legal Officer

Finance Manager

Credit Analysis Manager

Industries
Indonesian Civil Code (KUHPerdata): Articles 1233-1456 governing contractual obligations, debts, and the legal relationship between creditor and debtor
OJK Regulation No. 35/POJK.05/2018: Regulations on proper business conduct for non-banking financial institutions, including debt collection practices
Law No. 8 of 1999: Consumer Protection Law which includes provisions protecting debtors from unfair collection practices
Law No. 7 of 1992: Banking Law (as amended by Law No. 10 of 1998) governing banking activities including debt collection procedures
Indonesian Criminal Code (KUHP): Articles related to threats and harassment, particularly Article 335 regarding unpleasant acts that must be avoided in debt collection
OJK Circular Letter No. 14/SEOJK.07/2014: Guidelines for debt collection practices in the financial services sector, including proper communication methods and prohibited actions
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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