I'm being contacted about a debt I already paid
It's frustrating to be chased for something you've already cleared. With your proof of payment, this can usually be put right.
This guide helps you
- Gather proof that the debt is paid
- Tell the collector clearly and in writing
- Stop further contact about a settled debt
- Find free help if it isn't resolved
5 min read
What's happening
Sometimes a debt that's already paid gets chased anyway — perhaps records weren't updated, a payment crossed in the post, or a debt was sold with out-of-date information. Your proof of payment is the key to fixing it.
Stay calm; this is usually a records issue that can be corrected.
Your first steps
Pull together your evidence and respond clearly:
- Find your proof of payment — receipts, bank statements, or confirmation emails.
- Tell the collector the debt is paid and offer to provide proof.
- Put it in writing and keep a copy of what you send.
Don't pay again just to make the contact stop.
Step by step
- Locate your proof of payment.
- Notify the collector in writing that the debt is settled.
- Provide evidence if they ask for it.
- Ask them to confirm the account is closed and stop contact.
- Escalate if the contact continues despite your proof.
Your rights
You shouldn't be pursued for a debt you've already paid. You can ask the collector to correct their records and confirm the matter is closed. If they don't, you can complain to an oversight body in our directory.
Where to get free help
If you can't get the matter resolved, a free financial counsellor can help. Call the National Debt Helpline on 1800 007 007, or visit our help centre for how to complain.
Key takeaways
- Your proof of payment is the key to fixing this.
- Tell the collector in writing and keep a copy.
- Don't pay again just to make the contact stop.
- Free help is available on 1800 007 007.
Frequently asked questions
I already paid — why am I still being chased?
Often it's a records issue, a crossed payment, or out-of-date information after a debt was sold. Your proof of payment can fix it.
What proof do I need?
Receipts, bank statements, or confirmation emails showing the payment. Provide these to the collector and keep copies.
They keep contacting me even with my proof — what now?
Keep records of everything, ask them to confirm the account is closed, and complain to the relevant oversight body if it continues.
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.