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Response Letter To Collection Agency

Response Letter To Collection Agency Template for Nigeria

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Response Letter To Collection Agency

"I need a Response Letter to Collection Agency for a Nigerian telecommunications debt that I dispute, as I have evidence of full payment made in January 2025, and I want to request complete debt verification while asserting my consumer protection rights."

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Document background
A Response Letter To Collection Agency is a crucial document used when responding to debt collection attempts in Nigeria. It serves as a formal written response to collection agencies operating under Nigerian jurisdiction, governed by key legislation including the Central Bank of Nigeria Act 2007 and the Federal Competition and Consumer Protection Act 2018. This document is essential when an individual or business needs to respond to debt collection attempts, whether to dispute the debt, request verification, propose payment arrangements, or acknowledge the debt with specific terms. It should include relevant account information, clear statements regarding the debt's status, and any supporting documentation. The letter must comply with Nigerian debt collection and consumer protection laws while maintaining professional communication standards and protecting the respondent's legal rights.
Suggested Sections

1. Recipient Details: Full name and address of the collection agency, including any reference numbers

2. Subject Line: Clear reference to the debt account number and any collection agency reference numbers

3. Account Identification: Your personal details and the alleged debt account information

4. Debt Acknowledgment or Dispute: Clear statement regarding whether you acknowledge or dispute the debt

5. Response Statement: Main body of the letter stating your position regarding the debt claim

6. Request for Action: Specific requests or demands to the collection agency

7. Closing: Professional closing with your contact information and signature

Optional Sections

1. Dispute Details: Include when contesting the validity or amount of the debt, detailing specific reasons for dispute

2. Verification Request: Section requesting validation and verification of the debt when its legitimacy is questioned

3. Payment History: Include when relevant to show previous payments or settlement attempts

4. Financial Hardship Statement: Add when requesting special consideration due to financial circumstances

5. Settlement Proposal: Include when offering a settlement or payment plan

6. Cease Communication Request: Add when formally requesting the agency to stop communication

7. Legal Representation Notice: Include when represented by legal counsel

Suggested Schedules

1. Payment Records: Copies of any relevant payment receipts or bank statements

2. Prior Correspondence: Copies of previous communication with the original creditor or collection agency

3. Dispute Evidence: Any documents supporting dispute claims (if applicable)

4. Identity Verification: Copies of identification documents if required

5. Financial Statement: Statement of financial position if requesting hardship consideration

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions




















Clauses




















Relevant Industries

Financial Services

Banking

Retail

Telecommunications

Healthcare

Utilities

Insurance

Consumer Services

E-commerce

Education

Relevant Teams

Legal

Finance

Accounts Payable

Treasury

Compliance

Risk Management

Administration

Corporate Affairs

Credit Control

Relevant Roles

Financial Manager

Accounts Payable Manager

Credit Controller

Legal Counsel

Compliance Officer

Finance Director

Administrative Manager

Business Owner

Chief Financial Officer

Debt Recovery Specialist

Risk Manager

Treasury Manager

Industries






Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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