- Civil litigation
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- General
Someone called me about a court summons in Malaysia. Is it real or a scam?
Is a call about a court summons real or a scam?
In Malaysia, a court does not call you to ask for money, so treat such a call as a scam, or a collector's empty threat, until you check it. In a civil claim, real court papers are normally handed to you or sent by A.R. registered post (Rules of Court 2012, Order 10 rule 1). With A.R. post, you, or someone allowed to accept it, sign a card to show it arrived. You then usually have 14 days to respond, counted from when the papers are served on you (formally delivered), not from the call. A "court runner" is usually a law firm's clerk who delivers court papers, not a court officer.
The same goes for a WhatsApp message or a voice note (a "mahkamah call", as many Malaysians say). Hang up, pay the caller nothing, and check on a number you find yourself. Already paid? Call your bank or 997, whichever you reach first. 997 is the National Scam Response Centre.
Key facts (Malaysia, as at 27 October 2026):
- The court does not contact the public about credit card debts, unpaid fines, seizure or freezing warrants, or subpoenas.
- After a writ (the paper that starts a civil claim) is served, you usually have 14 days to respond. In Sabah and Sarawak it can be 20 days.
- No one can be arrested just for owing money, and no caller or collector can arrest you.
- Consumer-credit debt collectors must register with the Consumer Credit Commission (SKP), and may not falsely claim court instructions.
- Court papers from Peninsular Malaysia with a serial number can be checked on the Judiciary's Document Verifier.
Find your part:
- No debt, just a call or a paper to check: the next three sections.
- You owe a bank or lender: the debt collector section.
- You already paid or gave a TAC: the section "I already paid or gave my details".
Does a court, a lawyer or the police ever call you in Malaysia?
In Malaysia, a court does not call you to collect money. A law firm's clerk may call to arrange where to hand you papers. A police officer may call about a report you made or a case they are looking into. A real officer will usually ask you to come to a police station, and the law lets them require this by a written order. They do not ask for money or your TAC, or threaten arrest on the phone. To check, call the station on a number you find yourself.
The Judiciary's scam alert says its lines are not mobile numbers such as 010, 011 or 012. But the number on your screen proves nothing: scammers can make a call show a real agency's number. Call back only on a number you find yourself.
"Court runner" is not a legal title. In practice, a runner is a clerk or other person sent by the suing side's law firm to file and deliver court papers. Court bailiffs are court officers who seize goods after a judgment. Our article explains what a court bailiff can and cannot take.
No court rule lets anyone take money when papers are handed over, and paying a runner does not, by itself, end a case.
Signs of a scam or an empty threat (a sign is not proof, so check as below):
- You must pay today, or into a personal account or an e-wallet.
- You are told a warrant is out and you will be arrested unless you pay.
- You are put through to another "officer". Real agencies do not transfer calls to each other.
- You are told to keep it secret.
- You are asked to move money to a "safe account" to protect it.
- You are asked for your PIN, TAC or OTP, or to install an app.
- A recorded voice asks you to press a number.

How do real court papers reach you?
Real court papers, such as a court summons (法庭传票 in Chinese), are normally delivered by hand or by post, not read out on the phone.
Most civil claims start with a writ (writ saman in Malay), with the court's seal and a case number you can check. It is handed to you, or sent by prepaid A.R. registered post to your last known address. If a runner hands it to you, you may ask to see the sealed copy. But a seal or a registered-post envelope alone does not prove a paper is real. A small claim (Form 198, for RM5,000 or less) comes by hand or by registered post, and the defence is due within 14 days after service.
If your company is sued, the papers may go to its registered office, or to a director or the company secretary. Check what arrives there.
The Judiciary says the court itself does not serve papers by phone, email or WhatsApp. A party may send papers by email or WhatsApp only under a court order, and the message should then include a copy of that order. Refusing the papers, or not collecting registered post, does not stop the case.
Do not ignore real papers. After a writ is served, you usually have 14 days, not counting that day, to enter an appearance (a form saying you will defend). It can be 20 days in Sabah and Sarawak. The defence is usually due 14 days later. Miss these, and the person suing you (the claimant) can get judgment in default. That means the court decides against you without hearing your side, and the claimant can then take steps to collect. See what happens when an ignored letter of demand goes to court.
A criminal summons is signed and sealed by the court, and a police officer usually serves it on you in person. A warrant of arrest (waran tangkap in Malay) is carried out in person, usually by the police. The court can issue one if you ignore a real criminal summons.
How can I check whether the case is real?
Check a court case yourself, on numbers and websites you find, never through the caller.
- Hang up. Do not call back the number the caller gave, and do not press a number on a recorded message.
- For a paper from Peninsular Malaysia, do not rely on a QR code or link printed on it: a fake paper can carry its own. Open the Judiciary's Document Verifier yourself and type in the serial number.
- For a paper from Sabah or Sarawak, use the e-Kehakiman verification page. A paper with no code is not, by that alone, fake.
- Phone the court office yourself, on a number from the Judiciary's website: choose the state under "State Court's Portal", then its contact page. Give the case number if you have one.
- If the caller named a law firm, find it in the Malaysian Bar's directory or the courts' Law Firm Search. Phone the firm on the number listed there, and ask whether it has a case against you or your company.
- For a debt, call your bank or lender on the number on your card, statement or app.
Sabah and Sarawak have their own lawyer directories, listed in how to check a lawyer in Malaysia. The Judiciary's head office can also help, on 03-8880 3500.
If you have a paper in your hand, the Lawyer's Letter Check tells you what it is and which date matters. If the case turns out to be real, talk to a lawyer before your 14 days run out.
I owe the money and a debt collector says I will be sued. What now?
Deal with the debt, not the threats: a debt collector (收数公司 in Chinese) cannot arrest you or take your things.
Your lender can still sue you for a real debt, and real papers then reach you as described above.
Check the debt with your lender on its own number, not the collector's. Ask whether it passed your account to an agency or a law firm, which one, whether a case was filed, how much you owe, and where to pay.
Pay only the creditor (your lender, or a company that bought the debt), or a law firm's account in the firm's name after you check the firm. Get a receipt. Never pay a collector or a runner. If you cannot pay in full, ask your lender early, in writing, for a payment plan.
Agencies that collect bank loans, credit cards, buy now pay later and other consumer credit must register with the Consumer Credit Commission (SKP). Agencies already working may carry on while SKP decides their application. Under SKP's conduct rules, a collector:
- may not falsely claim legal authority, for example by saying a court sent them;
- may contact you only from 8am to 9pm, and no more than 3 times a week or 12 times a month, unless you agree otherwise;
- may not threaten or shame you, or tell your family, friends or employer about the debt;
- may visit your home or workplace only as a last resort, and must leave if you ask;
- must carry proof that the lender appointed them (an authorisation card or letter, with a photo), and may not take your payment.
A collector who calls themselves a "court runner" to scare you is breaking the first rule.
SKP's rules do not cover phone or utility bills, rent, or a law firm acting for a lender. But lawyers have their own professional rules, and threats and harassment can be crimes, whoever makes them. Report threats to the police. If you do not owe the money, read how to dispute a debt you do not owe.
I already paid or gave my details. What do I do now?
Call your bank's 24-hour hotline or the National Scam Response Centre on 997 at once, whichever you reach first, then make a police report at a police station.
Scams like this fool careful people. If you were tricked into paying, you are a scam victim: report it at once, in this order.
- Call your bank's 24-hour hotline (the number is on the back of your card) or the National Scam Response Centre on 997. You need to call only one: they work together. Note any reference number you are given.
- Gave a TAC or OTP, or installed an app the caller sent? Also freeze your banking at once: use the kill switch in your bank's app or website, or ask its hotline. Tell the bank what you gave, stop using that app, and change your banking password.
- Make a police report at the nearest police station, within 24 hours if you can. If more time has passed, still report it. A scam cannot be reported online. If a parent was tricked, go with them.
- Bring your IC and a short account of what happened, including anything you gave the caller, such as your PIN or TAC. Also bring the caller's numbers, the account numbers and amounts, your receipts or bank statement, and screenshots.
Quick action gives the banks a chance to hold the money, but there is no guarantee you will get it back. Be wary of anyone who later offers to get it back for a fee, even if they say they are from the police or the centre. The police, the centre and your bank never ask for your PIN, TAC or OTP.

Talk to a lawyer if a collector keeps threatening you after you have checked.
This article is general information about Malaysian law as at 27 October 2026, mainly for Peninsular Malaysia. Where Sabah and Sarawak differ, it says so only for the points it covers. It is not legal advice on your situation, and reading it does not make you a client of the firm. Hotlines, websites and collectors' rules change, so check the current position before you rely on one.
Frequently asked questions
Will a Malaysian court call me to warn me before I am sued?
No. In Malaysia the court does not call the public about card debts, unpaid fines, or seizure or freezing warrants. A case reaches you as court papers, not as a call. The person suing you, or their lawyer, may write to you first. The papers then come by hand or by registered post, or in another way a court has ordered. A caller who says the case will be dropped if you pay today is not speaking for the court. To see how a real order to freeze a bank account reaches you, read how a judgment is enforced in Malaysia.
Can a court summons be served by WhatsApp in Malaysia?
Normally no. The Judiciary says the court itself does not serve papers by phone, email or WhatsApp. But a court can order the person suing you to use email or WhatsApp, and the message should then include a copy of that order. If a caller or collector sends a photo of a "summons" and asks for money, treat it as a scam sign. Still, do not ignore it: your deadline may already be running. Call the court office named on it, on a number you find yourself, and pay no one.
The caller knew my IC number and address. Does that mean the case is real?
No. Knowing your name, IC number or address proves nothing about a court case, and neither does an official-looking number on your screen. Scammers also ask for your IC number "to verify" you; Bank Negara Malaysia has warned of this trick. Judge the call by what it asks for: money, a transfer, your TAC or secrecy. Then check the case yourself with the court office, or with the law firm on a number from the Malaysian Bar's directory.
I got a warrant of arrest on WhatsApp. Is it real?
Treat it as fake until you have checked. In Malaysia a real warrant of arrest is issued by a court in writing, signed and sealed, and it is carried out in person, usually by the police. The Judiciary has warned of fake "arrest orders" and "asset-freezing orders" on its letterhead, which tell people to move their money. Do not pay or reply. Check with the Judiciary's head office on 03-8880 3500 or the court office, and report the message to the police.
Can I be arrested or jailed for credit card debt in Malaysia?
No one can be arrested just for owing money, and no caller or collector can arrest you. Only a court can order arrest or civil prison over a debt, and only in narrow cases. If you ignore a court order to attend and explain your finances, the court can issue an arrest warrant. A court can also send you to civil prison for up to six weeks. It does this only if it orders you to pay, you have the means to pay, and you do not pay. See whether not paying a debt can be a crime.
A "court runner" says they will hand me court papers at my office. Should I accept them?
Yes, after you check the firm. A real clerk may hand you papers wherever you are, at work too, and refusing them does not stop a real case. Before you give your address or agree to meet, phone the firm on a number from the Malaysian Bar's directory (in Sabah or Sarawak, the local directory). A real firm can confirm it, or post the papers instead. Taking the papers does not stop you disputing the claim. Pay and hand over nothing. A collector may not use a visit to shame you or tell your employer about the debt.
A letter with a court seal came by registered post. Can it still be fake?
Yes. The Malaysian Judiciary has warned of fake court documents that copy its letterhead. A seal, a signature or a registered-post envelope does not prove a paper is real. For a paper from Peninsular Malaysia, type its serial number into the Judiciary's Document Verifier yourself, rather than scanning a code on the paper. Or phone the court office named on it, on a number you find yourself. Do not pay any account the letter names until you have checked.
If I ignore the calls, can a real case go ahead without me knowing?
Yes. A real case can go ahead if papers went to your last known address, or were served as a court ordered, even if you never saw them. If no one responds in time, the claimant can get judgment in default. You can apply to set aside (cancel) it within 30 days after you receive it, or 21 days in a small claim. After that, see a lawyer at once. The court can extend the time, and can set aside a judgment if the papers never properly reached you.
Can I check online whether someone has filed a case against me?
Not easily. The Judiciary's free Cause List does not search by name or IC number. It lists hearings by court and date, and covers courts in Peninsular Malaysia only. So it helps only if you already know the court and the date. The surer check is to phone the court office, or the law firm named by the caller, on a number you find yourself. If you have a paper from Peninsular Malaysia, type its serial number into the Document Verifier; for Sabah and Sarawak, use the e-Kehakiman verification page.
What is the "Macau scam"?
It is the name Malaysians use (澳门骗局 in Chinese) for a phone scam in which callers pose as court, police, Bank Negara or bank officers. They say your name, IC or account is linked to a crime, such as money laundering or drugs. They pass you to a second "officer", who may claim to be from Bukit Aman, the police headquarters, and tell you to keep it secret. Then they ask you to move your money to a "safe account". Bank Negara says it never asks anyone to move money for safekeeping.
How do I check whether a phone number or bank account is linked to scams?
Enter the bank account number, phone number or company name on the Royal Malaysia Police's Semak Mule portal, or in its app, Semak Mule CCID. It shows whether police reports have been made against it. "No Records Found" means only that no report is on record: it is not proof that the account or the caller is safe. What the caller asks you to do is the better test.
A collector says I will be blacklisted unless I pay today. Can they do that?
No. There is no official blacklist: Bank Negara says it does not blacklist anyone, and a caller cannot put you on any court list. Banks and many other lenders report how you repay loans and cards to Bank Negara's credit record, CCRIS. Only the lender updates it, not a collector. If you settle the arrears, the account shows as up to date, but the late months stay on the record for 12 months. You can see your own CCRIS report free at eccris.bnm.gov.my. Private credit agencies such as CTOS may also show court cases filed against you.
A law firm says I can settle today so the case will not go ahead. Should I pay?
Only after you check. A real law firm may offer to settle, before or after it files a case. Call the firm on the number in the Malaysian Bar's directory, and ask for the offer in writing. Pay only the creditor or an account in the firm's name, never a runner or a personal account, and get the settlement in writing. Paying does not by itself end a filed case: the claimant must withdraw it, or the court must record the settlement. Nothing filed yet? Read your first 7 days after a letter of demand.
How do I complain about a debt collector in Malaysia?
Go first to the collection agency, or to the complaints unit of the lender that appointed it. If you cannot reach them, or you disagree with their answer, complain to the Consumer Credit Commission (SKP) through its complaint form. For a bank, use its Complaints Unit first, then Bank Negara's BNMLINK if there is no reply within 14 days. If a collector threatens or harasses you, also make a police report, and give the report number to the agency.
Sources
- Judiciary of Malaysia, Office of the Chief Registrar: Scam Alert (warnings about calls, messages and fake documents that use the court's name; enquiries 03-8880 3500)
- MyGovernment: Court Document Authentication (QR code verification for court documents issued in Peninsular Malaysia)
- Rules of Court 2012 (P.U.(A) 205/2012), Orders 1, 3, 6, 10, 12, 13, 18, 21, 42, 62 and 93 (gazette text as first made)
- Rules of Court (Amendment) 2020 (P.U.(A) 351/2020), Order 10 rule 1 (electronic service only under a practice direction)
- Rules of Court (Amendment) 2023 (P.U.(A) 229/2023), Forms 2 and 2A (the day of service is not counted)
- Goh Teng Whoo & Tan Hwa Cheng v Ample Objectives Sdn Bhd, Federal Court, Civil Appeal No. 02(i)-35-04/2019(W), judgment of 5 March 2021 (A.R. registered post and default judgment)
- Criminal Procedure Code (Act 593), sections 34 to 42, 47 and 111
- Debtors Act 1957 (Act 256), sections 4, 6 and 15
- Penal Code (Act 574), sections 503, 506 and 507A, and sections 507B to 507G (harassment), inserted by the Penal Code (Amendment) Act 2025 (Act A1750), in force 11 July 2025
- Consumer Credit Act 2025 (Act 873)
- Consumer Credit Commission (SKP): Conduct Standards, version 1.0 (5 June 2026), paragraphs 12.10 to 12.15
- Consumer Credit Commission (SKP): FAQs on Authorisation Standards, CORE System and Conduct Standards, version 1.1 (24 September 2026)
- Consumer Credit Commission (SKP): Debt collection, what consumers should know
- Consumer Credit Commission (SKP): Contact us, how to lodge a complaint
- Bank Negara Malaysia: how to lodge a complaint (the Complaints Unit first, then BNMLINK after 14 days)
- Bank Negara Malaysia: Caution on bogus calls from persons impersonating Bank Negara Malaysia officials
- Bank Negara Malaysia: Annual Report 2024, Building a United Front Against Online Fraud Risk (the kill switch; one report to the bank or the NSRC; a police report even after 24 hours)
- Bank Negara Malaysia: FAQ on CCRIS
- Bank Negara Malaysia: Repayment Assistance
- MyGovernment: NSRC 997 Hotline
- National Anti-Financial Crime Centre (NFCC): About the National Scam Response Centre and its FAQs
- Royal Malaysia Police: FAQ (police reports, scam victims, a hacked phone or bank account, the number shown on a call)
- Royal Malaysia Police: scammers copy the numbers of telcos and government agencies (25 January 2026)
- Royal Malaysia Police: agencies do not transfer calls, and police never call to threaten arrest (4 February 2021)
- Royal Malaysia Police: e-Reporting (lost documents and other reports with no crime in them)
- Royal Malaysia Police, Commercial Crime Investigation Department: Semak Mule
