Asking for proof of a debt
You can ask a creditor or collector to prove a debt is genuine and that you're the right person to pay it.
This guide helps you
- Understand your right to ask for proof of a debt
- Know exactly what documents to request
- Learn how to word a clear request
- Understand what to do if proof can't be provided
- Find free help if you're not getting answers
7 min
What's happening
If you're being chased for a debt, you can ask the creditor or collector to prove it — that the debt is genuine, how much is owed, and that you are the right person to pay. This is especially important when a debt buyer or collector is involved, because they should be able to show the debt was properly assigned to them. This is general information, not legal advice.
Your first steps
- Pause before paying or admitting anything you can't verify.
- Ask who the original creditor is and what the debt relates to.
- Decide what proof you need to be satisfied.
- Put your request in writing so there's a record.
Step by step
- Write a short request identifying the account reference.
- Ask for the key documents — the original contract or application, a statement showing the balance, and proof the debt was assigned (if a collector is chasing).
- Ask for collection to pause until you receive the proof.
- Review what they send to check it really shows the debt is yours.
- Dispute or escalate if the proof is missing or unconvincing.
What evidence helps
The documents you're asking them for are the evidence: the original credit contract or application, full account statements, a record of the last payment, and — for assigned debts — a notice or deed of assignment. Keep copies of your request and their reply. Terms like "assignment of debt" are explained at directory.merion.com.au/glossary.
Where to get free help
If you ask for proof and get nothing — or something that doesn't add up — a financial counsellor can help you respond. Call the National Debt Helpline on 1800 007 007 (free), or get free legal help from a community legal centre. An unresolved dispute can go to a free external dispute resolution scheme such as AFCA.
Key takeaways
- You can ask the creditor or collector to prove the debt
- Request the contract, statements, and proof of assignment
- Ask for collection to pause until proof arrives
- Free help is available if you don't get satisfactory proof
Frequently asked questions
What can I ask a debt collector to prove?
That the debt is genuine, how the balance was calculated, that you're the right debtor, and — if they bought the debt — that it was properly assigned to them.
What if they can't prove it?
If proof can't be provided, that's a strong basis to dispute the debt and, if unresolved, escalate to a free external dispute resolution scheme such as AFCA.
Do I have to pay while waiting for proof?
You can reasonably ask for collection to pause until you receive proof. Get free advice from 1800 007 007 if a collector won't agree.
This is general information, not legal or financial advice. Your situation is unique and rules can vary by state and over time — for advice on your circumstances, speak to a free financial counsellor (National Debt Helpline 1800 007 007) or get legal help.
Know your options, know your rights
A free, plain-English guide to dealing with debt in Australia — and the people who can help.