Opening the post to find a letter of demand with a law firm's letterhead on it is an unsettling experience. It usually means someone believes you owe them money or have failed to meet an obligation, and that they are prepared to take the matter further. The instinct is often to panic, to fire back an angry reply, or to ignore it and hope it goes away, and each of those reactions can make things worse. Knowing how to respond to a letter of demand calmly and correctly can prote

There is a particular kind of silence every business owner learns to dread. The invoice went out weeks ago, the due date has been and gone, and the client who used to reply within the hour has stopped answering altogether. Debt recovery starts in exactly that silence, and how a business responds in the days and weeks that follow often decides whether the money comes back or quietly disappears. The instinct is usually to wait a little longer and avoid the awkwardness. That ins

Once a creditor has obtained a Default Judgment or Judgment against a third party (‘ the judgment debtor ’), the creditor may experience...

The moratorium period to protect tenants that accrued rental debt ended on 26 March 2021 and NSW is now in a six-month transitional period.