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The Debtor Confirmation Letter is a crucial document in Maltese debt management and recovery processes, commonly used when there is a need to formally document and confirm an existing debt obligation. This document is particularly valuable in situations where the original debt documentation needs to be reinforced, when restructuring payment terms, or when seeking to restart the prescription period under Maltese law. It serves as both a acknowledgment of the debt and a fresh commitment to pay, often including detailed information about the debt's origin, current balance, payment history, and future payment arrangements. The letter must comply with Malta's Civil Code requirements and can be used in various contexts, from simple personal loans to complex commercial debt arrangements. It's especially useful in preventing future disputes about the debt's existence or amount and can significantly strengthen the creditor's position in any potential recovery proceedings.

1. Date and Address Block: Formal letter date and recipient's address details

2. Salutation and Reference: Appropriate greeting and reference to relevant account or debt number

3. Debt Acknowledgment: Clear and unequivocal statement acknowledging the existence and validity of the debt

4. Debt Details: Specific amount owed, original date of debt, and any accrued interest

5. Current Status: Statement of the current balance and any payments made to date

6. Legal Capacity: Confirmation that the signatory has the legal capacity to acknowledge the debt

7. Signature Block: Space for signature, name, and capacity of the debtor