The reply the debt collector takes seriously.

Frequently asked questions

Do I have to reply to a debt collection letter at all?

Not legally – but silence is the worst reply. A disputed claim may not be reported to credit bureaus (Section 31(2) no. 4(d) BDSG); anyone who does not object does not dispute. A short, factual letter protects you from the report and forces the debt collector to show its documents.

What must a debt collection company tell me?

Since 1 October 2021, with the first demand (Section 13a RDG): name and address of the client, the basis of the claim – for contracts the subject matter and the date of conclusion –, for interest the calculation, for debt collection costs type, amount and reason, and whether the claim has been assigned. If that is missing, demand it – that is exactly what the letter does.

May I dispute the claim even though it might be right?

You may demand evidence at any time and dispute the claim until it is provided. That is not fraud but your right: anyone who wants money from you must prove what for. If the claim turns out to be justified, pay or agree instalments – then with corrected costs.

What do I do if a court payment order arrives after the letter?

Object at the Mahngericht within two weeks – the form is enclosed, no reasons are needed. The court payment order deadline calculator names your last day. Without an objection the claim becomes titled, whether or not it is justified.

Can the debt collector still cause a SCHUFA entry?

Not lawfully, as long as you have disputed. If it happens anyway, the entry can be challenged – use the objection generator for the deletion request to the credit bureau. Keep your letter and the posting receipt: they are the proof that the claim was disputed.