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A Paid In Full Letter From Debt Collector is a crucial document in Indonesian debt collection practices that provides formal confirmation of debt satisfaction. This document is used when a debtor has completely settled their outstanding debt, either through full payment or an agreed settlement amount. The letter must comply with Indonesian Financial Services Authority (OJK) regulations, particularly OJK Regulation No. 1/POJK.07/2013 on consumer protection in financial services, and the Indonesian Civil Code provisions regarding debt settlement. It serves multiple purposes: providing the debtor with legal proof that the debt has been satisfied, protecting them from future collection attempts on the same debt, and documenting the collection agency's acknowledgment of payment completion. The letter typically includes specific details about the original debt, payment confirmation, and clear statements releasing the debtor from further obligations.

1. Letterhead and Date: Debt collection agency's official letterhead including license number, full address, contact information, and date of letter issuance

2. Recipient Information: Debtor's full name and current address

3. Account Information: Original creditor's name, account number, and any reference numbers associated with the debt

4. Debt Details: Original debt amount, interest and fees (if applicable), and final amount paid

5. Payment Confirmation: Statement confirming receipt of full payment, including payment date and method

6. Debt Satisfaction Statement: Clear statement that the debt has been satisfied in full and the account is closed

7. Release of Claims: Statement releasing the debtor from any further claims related to this debt

8. Authorization: Name, title, and signature of authorized representative from the debt collection agency