# What happens if I ignore a letter of demand?

If you ignore a letter of demand in Malaysia, nothing happens on the day its deadline passes, but the sender can then sue you. A court case brings real deadlines, legal costs and interest. This guide explains what the letter is, what silence can cost, and how to reply in a few lines.

By [Harith Khan](https://www.tkp.com.my/partners/harith) · Published 13 October 2026 · Last reviewed 13 October 2026

## What happens if you ignore a letter of demand in Malaysia: the short answer

If you ignore a letter of demand in Malaysia, nothing happens on the day its deadline passes, but the sender can then sue you. A letter of demand is a private letter, not a court order. Nobody can take your belongings, freeze your bank account or have you arrested because you did not reply to one.

The risk comes after the letter. A court case brings real deadlines, legal costs and interest, and your silence can be used against you later. In most cases a short written reply is safer than silence.

A letter like this is worrying to receive. You usually have time to deal with it. Do these four things:

1. Check what the paper is. Some papers look like a letter of demand but carry a deadline set by law. Examples are court papers, a bankruptcy notice, and a notice to a company that demands more than RM50,000. They are listed under "Papers that look like a letter of demand but carry a legal deadline".
2. Check that the letter is genuine and that the claim is right.
3. Reply in writing, in a few lines, before the date in the letter if you can. You can write the reply yourself, or a lawyer can reply for you. The section "When to get a lawyer" below says when to use one.
4. Never ignore court papers. Once court papers reach you, you may have only 14 days to act, and for some papers only 7.

If the letter is for another person at your address, see the section on when it is reasonable not to reply.

## What is a letter of demand, and is it a court paper?

A letter of demand is a formal letter that asks you to pay money, or to do something or stop doing something, by a certain date. It warns that the sender may go to court if you do not. People also call it an LOD or a lawyer's letter, and in Malay a surat tuntutan.

Usually a law firm sends it for a client: a bank, a landlord, a supplier, a former business partner. A person can also send one without a lawyer. In this guide, "the sender" means the person or company that claims the money, not the law firm that wrote the letter. If the money is owed, the law calls that person the creditor.

Four facts take most of the fear out of it:

- It is not a court paper. A court case starts only when papers are filed in court. The court rules set no procedure for letters of demand.
- The deadline is not a legal deadline. The "7 days" or "14 days" or even "24 hours" in the letter is the sender's own timetable.
- No law forces you to reply, although it is good practice to do so.
- It is not a required first step. In most cases the sender may sue without sending any letter, so do not wait for "a second and third reminder".

A court paper is different: it names a court, carries a case number and bears the court's seal. A letter of demand has only a law firm's letterhead and a signature. If you are not sure which one you hold, the free [Lawyer's Letter Check](https://www.tkp.com.my/lawyers-letter-check) on this website helps you tell them apart.

## What happens after the deadline in a letter of demand passes?

In Malaysia, no rule fixes what the sender of a letter of demand does once its deadline passes. Some senders write again, some use a debt collector, some drop the claim, and many go to court. The sender may file a case the day after the deadline or years later, within the legal time limit. For most debts and contract claims in Peninsular Malaysia, that limit is six years.

If the sender goes to court, the usual steps are:

1. A case is filed. An individual who claims RM5,000 or less can use the [small claims procedure](https://www.tkp.com.my/publications/how-to-file-a-small-claim-in-malaysia-step-by-step-form-198), where neither side may have a lawyer. Larger claims go to the Magistrates' Court, the Sessions Court or the High Court, depending on the amount.
2. The court papers are served on you, which means formally delivered: handed to you, or sent by A.R. registered post to your last known address. Refusing them or not collecting them does not stop the case, because the court can allow another way of service.
3. The real deadline starts. A writ is the usual paper that starts a case. In Peninsular Malaysia you have 14 days after service to "enter an appearance". This means you file a court form that says you will defend the case. In Sabah and Sarawak it can be 20 days. Your written defence is usually due 14 days later.
4. If you miss the deadline, the court can give judgment against you without hearing your side. This is a judgment in default.
5. The judgment is enforced. The creditor can ask the court to seize and sell your belongings, to take money from your bank account, or to question you about your income and assets. If you owe the creditor RM100,000 or more, it can also ask the court to make you bankrupt. A judgment can be enforced for up to 12 years.

None of this can happen from a letter. It needs a court case and a judgment first. The [Debt Recovery in Malaysia](https://www.tkp.com.my/debt-recovery) guide shows the same steps from the creditor's side.

A judgment in default is hard to undo. To cancel it, you must apply to the court. Lawyers call this setting it aside. File and serve the application within 30 days of receiving the judgment. In a small claim, the time is 21 days after the judgment is served on you. You must also show the court a defence that deserves a trial, unless the judgment was wrongly obtained, for example because the court papers never properly reached you. Applying does not stop enforcement unless the court orders it.

That is the difference to remember. Ignoring a letter of demand is a risk. Ignoring court papers usually hands the other side a win.

## What ignoring a letter of demand can cost you

Ignoring a letter of demand costs nothing on the day. It can cost you in four ways later.

Your silence can be used against you. Silence is not, by itself, an admission that you owe the money. But the Court of Appeal has said that a failure to reply is something a court may count against you. In business dealings, courts expect a person who disputes a claim to say so promptly, and some judges have treated an unanswered business letter as close to an admission. If your defence in court is "I never owed this", expect the question: why did you not say so when the letter came?

You lose the cheapest moment to settle. Before a case is filed, there are no court costs. Once a case is filed, the court rules add legal costs on a set scale, even if you pay at once or do not defend the case. On a judgment in default, the scale allows up to RM2,000 in the Magistrates' Court and more in the higher courts, plus court fees. Your contract can make you liable for more.

Interest keeps running. A court can add interest for the period before judgment. After judgment the debt carries interest too, usually 5% a year unless your contract sets another rate, until it is paid.

Your credit record can suffer. The letter itself is not recorded anywhere. But banks report missed loan payments and legal action to CCRIS, Bank Negara Malaysia's credit record. Credit reporting agencies such as CTOS collect court cases and bankruptcy records. A business that subscribes to CTOS can also list an unpaid debt against your name with no court case at all. CTOS calls this a trade reference.

A short written reply greatly reduces the first cost, and it is often the first step to avoiding the other three.

## What to do when you receive a letter of demand

A calm, short, written reply is the right answer to most letters of demand. These six steps get you there.

1. Note the date you received the letter and keep the envelope. Then take a breath: this is a letter, not a judgment.
2. Check what the paper is, and that it is genuine. The [Lawyer's Letter Check](https://www.tkp.com.my/lawyers-letter-check) helps you tell a letter from a court paper. Look up the law firm in the [Malaysian Bar's Legal Directory](https://legaldirectory.malaysianbar.org.my), which covers Peninsular Malaysia.
3. Check the claim. Do you owe this? Is the amount right? How old is the debt? Find the agreement, invoices, receipts, bank records and messages.
4. Decide your answer: pay, offer instalments, or dispute. The next section shows how to write each reply.
5. Reply in writing, before the date in the letter if you can. If you need more time, write and say so: asking for two weeks to check your records is not an admission. You can write the reply yourself, or a lawyer can reply for you. The section "When to get a lawyer" below says when to use one.
6. Watch for court papers. Collect registered post that is addressed to you, and tell your bank and creditors when you move, because court papers go to your last known address. If court papers arrive, see a lawyer at once.

For a day-by-day version of these steps, with sample replies, read [I received a letter of demand in Malaysia. What do I do in the first 7 days?](https://www.tkp.com.my/publications/i-received-a-letter-of-demand-in-malaysia-what-do-i-do-in-the-first-7-days)

## How to reply to a letter of demand

Reply to the law firm, not to its client, and quote the firm's reference number. If no law firm is involved, reply to the person who sent the letter. Email is fine once you have checked that the firm is real. Use the address on the letterhead and keep the sent email. Registered post also gives you proof. If you phone, agree to nothing on the call, and confirm anything said in writing.

Keep the reply short and polite, and state only facts you are sure of. Your letter can be used as evidence.

### If you owe the money and can pay

Pay in the way the letter states, once you know the letter is genuine, and never into a personal bank account. Ask for a receipt, and for written confirmation that the claim is settled in full.

Check any "legal costs" added for the letter itself. You must pay that item only if a written agreement between you and the sender says so. Many loan and tenancy agreements do. The article [How much does a lawyer's letter of demand cost in Malaysia?](https://www.tkp.com.my/publications/how-much-does-a-lawyers-letter-of-demand-cost-in-malaysia) explains who pays for the letter.

### If you owe the money but cannot pay it all now

If you accept that you owe the debt, the amount is right and the debt is not an old one (the next section explains old debts), a plain letter that offers instalments is fine. It admits the debt, so send it only if you do owe it. Offer only what you can keep paying. For example:

"I refer to your letter dated 1 October 2026, your reference ABC/123. I cannot pay RM7,800 in one payment. I offer to pay RM400 on the 5th of each month, starting on 5 November 2026, until the sum is paid. Please confirm in writing that your client accepts this, and that it will take no court action while I keep to these payments."

The sender does not have to accept, but a realistic plan gives it a reason not to sue. Get the agreed terms in writing before you pay the first instalment. Do not give post-dated cheques unless you are sure each one will clear. If the debt is to a bank, AKPK (Agensi Kaunseling dan Pengurusan Kredit) gives free advice and a Debt Management Programme for bank debts. Contact it early.

Two warnings. A signed letter that admits a debt can be shown to the court, and a signed admission or a part payment restarts the six-year time limit. If the debt is old, or you dispute any part of the amount, speak to a lawyer before you write. The words "Without prejudice" protect an offer made to settle a real dispute, for example about the amount. They do not protect a letter that only admits the debt and asks for time.

### If you dispute the claim

Say so in writing, in a few lines. Say that you received the letter and that you do not agree you owe the sum. Give your main reason, and name the documents you want to see. For example:

"I refer to your letter dated 1 October 2026, your reference ABC/123, which I received on 3 October 2026. I do not agree that I owe your client RM8,000. I returned the goods on 12 August 2026 and your client accepted them. Please send me the invoice and the delivery records your client relies on. I may have other reasons, and I do not give them up by not listing them here."

Do not write a long story. Do not admit things you are unsure of. Do not be rude: a judge may read this letter one day. Do not mark a denial "Without prejudice", because you want the court to see it. A short, dated denial is what a court expects from a person who disputes a claim.

## When is it reasonable not to reply to a letter of demand?

In four situations, no reply to a letter of demand, or a one-line reply, is the sensible course.

The letter may be fake. Warning signs are:

- A demand to pay into a personal bank account.
- A threat of arrest within hours.
- A "court order" sent by SMS, or from an email address you cannot trace.

Contact the law firm using details you found yourself in the Legal Directory, not the ones on the letter, and do not pay or reply until you have checked. If a message claims to come from a court, check the case with the court's office (the registry) before you delete it: a court can allow real court papers to be sent by email or message. If the demand comes from an unlicensed moneylender (an Ah Long), do not pay under threat; make a police report.

You are not the person named, and the debt is not yours. One line is enough: "I am not the person named in your letter and I do not owe this debt." Send it in writing and keep a copy.

The letter is for a family member who has moved out. Tell that person today, and send a photo of the envelope and of any registered post collection card. Do not open the post or sign for it unless that person asks you to. You may write one line to the law firm or person who sent the letter: "The person named does not live at this address, and I have no permission to accept letters for that person." Do not promise to pay.

Not collecting the post does not protect your family member, because the court can allow papers to be served in another way. Ask that person to collect it soon. If you signed as a guarantor (you promised to pay if the borrower does not) or as a joint borrower, the sender can usually claim the full sum from you alone, so read the letter as your own.

The debt is very old. In Peninsular Malaysia a sender has six years to sue on most debts, usually counted from the missed payment, or from the last payment or signed admission / acknowledgement. A loan secured on land has 12 years, and Sabah and Sarawak have their own limits. With an old debt, silence is not the danger. A careless reply is: if you sign a letter that admits the debt, or pay any part of it, the six years can start again. Do not pay any part, even RM10, and do not sign anything, until you have spoken to a lawyer. If court papers arrive, do not ignore them: the time limit helps you only if you state it in your defence.

## Papers that look like a letter of demand but carry a legal deadline

Some papers look like a letter of demand but are not one. The law itself sets their deadline and says what happens when it passes. Find your paper in this list.

- Court papers. For a writ you have 14 days after service to enter an appearance (to file a court form that says you will defend the case). For Form 198, the small claims form, you have 14 days to file your defence. An originating summons states a hearing date instead: you or your lawyer must attend. If you do nothing, the court can give judgment or make an order against you.
- A statutory demand on a company, also called a section 466 notice. Look for "section 465" or "section 466" of the Companies Act 2016, a demand for more than RM50,000, and a warning that the creditor will apply to wind up the company (close it down). The company has 21 days to pay, give security the creditor accepts, or settle.
- A bankruptcy notice. A court issues it, and only after the creditor has a judgment against you. You have 7 days after it is served on you to pay or to challenge it in court. If you do neither and you owe the creditor RM100,000 or more, it can ask the court to make you bankrupt.
- A default notice on a house or land loan in Peninsular Malaysia, called Form 16D or Form 16E. You have one month to pay what the notice demands, or longer if the loan papers say so. After that the bank can apply to the court or the land office to sell the property at auction. Other rules apply in Sabah and Sarawak, and to property with no title of its own yet.
- A notice on a hire-purchase car, called a Fourth Schedule notice. The finance company can send it after you miss two instalments in a row. It normally gives at least 21 days. After that the car can be taken back (repossessed). If you have paid more than 75% of the cash price, the finance company needs a court order first.
- A notice for unpaid maintenance charges in a condominium or apartment in Peninsular Malaysia and Labuan (Form 11 or Form 20). It gives at least 14 days. Failing to pay without a reasonable excuse is a criminal offence, with a fine of up to RM5,000, up to three years in prison, or both.
- A tax assessment from the Inland Revenue Board (LHDN). You have 30 days to appeal, and the tax stays payable while you appeal.

An ordinary letter of demand cannot do any of this, but it is often the step before one of these papers. If your paper is on this list, count the days from the date you received it and see a lawyer at once.

### If the paper is for your company

A section 466 notice must be left at the company's registered office. That is the address in its SSM records, and it is often the company secretary's office, not your shop. Ask your company secretary today whether the paper is there. If your shop is not the registered office, a letter that reached only the shop does not start the 21 days. But the same paper may also be at the registered office.

If the company disputes the debt, say so in writing at once and see a lawyer within days. The court may stop an application to wind up the company if the debt is genuinely disputed. The company must act fast and show real reasons.

If the company owes the debt but cannot pay within the 21 days, it can offer the creditor security (something of value the creditor can claim if the company does not pay) or a settlement. Either works only if the creditor accepts it.

## When to get a lawyer

You can answer a simple letter of demand yourself. Get a lawyer when:

- Your paper is on the list of papers with a legal deadline.
- Court papers arrive.
- The claim is against your company. Apart from a few narrow exceptions, such as small claims, a company can take part in a court case only through a lawyer.
- The sum is large for you.
- The letter is about something other than a plain debt, such as defamation or a tenancy. There, a wrong reply or a missed notice period can cost more than the sum claimed.
- You want to dispute the claim and are not sure your reasons are strong enough.

The article [How to find a lawyer in Malaysia: a practical checklist](https://www.tkp.com.my/publications/how-to-find-a-lawyer-in-malaysia-a-practical-checklist) explains how to choose one.

This article is general information about Malaysian law as at 13 October 2026. It is not legal advice on your situation, and reading it does not make you a client of the firm. Day counts and amounts change, so check the current law before you rely on a figure.

## Frequently asked questions

### What happens after the 7 or 14 days in a letter of demand?

Nothing happens in law. The 7 or 14 days is the sender's own timetable, not a legal deadline. After it passes, the sender decides the next step: write again, use a debt collector, drop the claim, or sue. A legal deadline starts only when court papers, or a notice whose deadline is set by law, are served on you.

### How long after a letter of demand can the sender sue?

At any time within the legal time limit, which is six years for most debts in Peninsular Malaysia. The sender can file a case the day after the letter's deadline or years later. No general rule requires even one letter before a court case. A contract or a specific law may require a notice first in particular cases.

### Can I be arrested or jailed for ignoring a letter of demand?

No. Owing money is not a crime in Malaysia, and a letter cannot order an arrest or a seizure. 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. A few notices also carry criminal penalties of their own, such as the notice for unpaid condominium maintenance charges.

### Does ignoring the letter mean I have admitted the debt?

Not by itself. The Court of Appeal has said that not every demand must be answered, and that a failure to reply must not be treated as an admission. But the same court said silence is something a judge may count against you, and that in business matters a person who disputes a demand is expected to answer it. A short written denial, sent promptly, takes away most of that risk.

### Is a letter of demand sent by WhatsApp or email valid?

It can be. No general rule says how a letter of demand must be sent, so a demand by email or WhatsApp counts as a demand. A contract or a specific law may require a notice to be sent in a set way. Check that the sender is real before you reply or pay.

### Will a letter of demand show up in CCRIS or CTOS?

Not the letter itself. Banks report missed loan payments and legal action to CCRIS. CTOS and other credit reporting agencies collect court cases and bankruptcy records, and a business that subscribes to CTOS can list an unpaid debt against your name.

### Can a letter of demand affect my job or stop me from travelling?

No. A letter cannot touch your job or your passport. A bankruptcy order is different: a bankrupt cannot leave Malaysia, or act as a company director, without permission. Unpaid income tax follows its own law, which lets the tax authority stop a person from leaving the country.

### Do I have to pay the legal fee added to the letter?

Only if a written agreement between you and the sender says you must. The Bar Council's rulings do not allow a lawyer to demand the cost of the letter from you otherwise. Costs in a court case are a separate matter: if a case is filed and you lose, the court can order you to pay legal costs.

### Can a debt collector take my belongings?

No. A debt collector has no power to seize anything. Your things can be taken only through a legal process, which almost always means a court judgment first. The main exceptions are a car on hire purchase, which a repossessor with a government permit may take back, normally after the proper notice, and a warrant for unpaid rent, condominium charges or council rates. Since 1 June 2026, agencies that collect consumer credit debts must register with the Consumer Credit Commission (SKP). An agency that was already working has until 30 November 2026 to apply. SKP's standards forbid threats and tell collectors not to accept payment themselves. Pay the creditor directly.

### Can I be made bankrupt because I ignored a letter of demand?

Not directly. The creditor must first sue and get a judgment, then have a court issue a bankruptcy notice, then ask the court to make you bankrupt, and you must owe it RM100,000 or more. Each step gives you a chance to act. A Budget 2027 proposal to raise this figure to RM150,000 from 2027 was not yet law as at 13 October 2026.

### The debt is more than six years old. Can I ignore the letter?

With an old debt, silence is not the danger. A careless reply is. Do not pay any part of the debt or sign any admission / acknowledgement before you speak to a lawyer, because either can restart the six-year time limit that applies to most debts in Peninsular Malaysia. If court papers arrive, state the time limit in your defence: it does not apply by itself. Loans secured on land, and debts in Sabah and Sarawak, have different limits.

### I ignored the letter and now court papers have arrived. What should I do?

Act now. Write down the date the papers reached you. For a writ in Peninsular Malaysia you have 14 days after service to enter an appearance, which means filing a court form that says you will defend the case. See a lawyer in the first few days, not on day 13. Having ignored the letter does not stop you from defending the case.

### There is already a judgment in default against me. Is it too late?

Not always. You can ask the court to cancel the judgment (set it aside). The application must be filed and served within 30 days of receiving the judgment, or 21 days in a small claim. After that you need the court's permission and a good reason for the delay. If the judgment was entered properly, you must show a defence that deserves a trial. Get a lawyer at once.

### My company received the letter. Is anything different?

Two things. First, check whether the paper is a section 466 notice: a demand for more than RM50,000, left at the company's registered office, gives the company 21 days before the creditor can ask the court to wind it up. If the company disputes the debt, say so in writing at once and see a lawyer within days. The court may stop an application to wind up the company if the debt is genuinely disputed, but the company must act fast and show real reasons. Second, apart from a few narrow exceptions such as small claims, a company can take part in a court case only through a lawyer.

## Sources

1. [Rules of Court 2012 (P.U.(A) 205/2012), Orders 3, 5, 10, 12, 13, 18, 19, 28, 42, 45, 59, 62 and 93 (starting a case, service, appearance, defence, judgment in default, setting aside, interest, enforcement, costs and small claims)](https://lom.agc.gov.my/ilims/upload/portal/akta/outputp/pua_20120702_RULES%20OF%20COURT%202012%20(FINAL)%20-%201%20July%202012.pdf)
2. [Rules of Court (Amendment) 2025 (P.U.(A) 265/2025): the scale of costs in Order 59](https://lom.agc.gov.my/ilims/upload/portal/akta/outputp/3037392/PUA265_2025.pdf)
3. [Limitation Act 1953, sections 4, 6, 21, 26 and 27](https://lom.agc.gov.my/ilims/upload/portal/akta/LOM/EN/ACT%20254-Online%20version%20as%20at%201%20Sept%202019.pdf)
4. Evidence Act 1950, sections 8, 17 and 23
5. Small Medium Enterprise Development Bank Malaysia Bhd v Lim Woon Katt \[2016\] 9 CLJ 73 (Court of Appeal)
6. Wong Hon Leong David v Noorazman bin Adnan \[1995\] 3 MLJ 283 (Court of Appeal)
7. Standard Chartered Bank Malaysia Bhd v Computer Related Media Sdn Bhd & Ors \[2015\] 1 LNS 20 (High Court)
8. [Civil Law Act 1956, section 11 (interest before judgment)](https://lom.agc.gov.my/ilims/upload/portal/akta/LOM/EN/Act%2067%20-%20(muktamad).pdf)
9. [Chief Justice's Practice Direction No. 1 of 2012 (interest after judgment at 5% a year), in Bar Council Circular No. 165/2012](https://www.malaysianbar.org.my/cms/upload_files/document/Circular%20No%20165-2012.pdf)
10. [Bar Council Rules and Rulings (as at 13 July 2026), Ruling 9.01(3)](https://www.malaysianbar.org.my/cms/upload_files/document/Rules%20and%20Rulings%20BC%202026-13%20Jul%202026.pdf)
11. [Contracts Act 1950, sections 44 and 81 (joint borrowers and guarantors)](https://mylaw.my/legislation/contracts-act-1950/section-81)
12. [Companies Act 2016, sections 465 and 466](https://mylaw.my/legislation/companies-act-2016/section-466)
13. [Gazette Notification No. 4159 of 29 March 2021 (company debt of more than RM50,000, from 1 April 2021)](https://www.ssm.com.my/Pages/Legal_Framework/Document/GN%20No.%204159_Penetapan%20Amaun%20Keterhutangan%20Syarikat.pdf)
14. Insolvency Act 1967, sections 3, 5 and 38 (reprint as at 1 November 2024), and the Insolvency Rules 2017, rule 89
15. [National Land Code, sections 254 to 260](https://mylaw.my/legislation/national-land-code-revised-2020-2020/section-254)
16. [Hire-Purchase Act 1967, sections 16 and 17A and the Fourth Schedule](https://lom.agc.gov.my/ilims/upload/portal/akta/LOM/EN/Act%20212%20-online%20version%20as%20at%201%20May%202019.pdf)
17. [Strata Management Act 2013, sections 34, 35, 78 and 79](https://lom.agc.gov.my/ilims/upload/portal/akta/outputaktap/20130208_757_BI_AKTA%20757-BI.pdf)
18. Strata Management (Maintenance and Management) Regulations 2015 (Forms 11 and 20)
19. [Distress Act 1951, section 5 (warrant for unpaid rent)](https://lom.agc.gov.my/ilims/upload/portal/akta/LOM/EN/Act%20255.pdf)
20. [Local Government Act 1976, section 148 (warrant for unpaid council rates)](https://lom.agc.gov.my/ilims/upload/portal/akta/LOM/EN/Act%20171%20-%20Local%20Government%20Act%201976.pdf)
21. [Income Tax Act 1967, sections 99, 103 and 104](https://lom.agc.gov.my/ilims/upload/portal/akta/outputaktap/3345910_BI/Act%2053%20(Online%202026).pdf)
22. [Debtors Act 1957, sections 4, 6 and 15](https://mylaw.my/legislation/debtors-act-1957/section-4)
23. [Moneylenders Act 1951, sections 5, 15 and 29B](https://lom.agc.gov.my/ilims/upload/portal/akta/outputaktap/16481_BI/002%20-%20Draft%20Act%20400%20(TP%20LULUS)%2022.3.2018.pdf)
24. [Consumer Credit Act 2025, sections 57 and 135](https://lom.agc.gov.my/ilims/upload/portal/akta/outputaktap/3272203_BI/Act%20873%20-%20CONSUMER%20CREDIT%20ACT%202025.pdf)
25. [Consumer Credit Commission (SKP): debt collection](https://www.skp.gov.my/en/industries/debt-collection)
26. Consumer Credit Commission (SKP): Conduct Standards v1.0 (5 June 2026), paragraph 12, and FAQs v1.1 (24 September 2026)
27. [Bank Negara Malaysia: Central Credit Reference Information System (CCRIS)](https://www.bnm.gov.my/ccris)
28. [CTOS: electronic trade references](https://ctoscredit.com.my/check-trade-reference/can-any-company-simply-submit-an-etr/)
29. [Agensi Kaunseling dan Pengurusan Kredit (AKPK)](https://www.akpk.org.my/)
30. [Malaysian Bar: Legal Directory](https://legaldirectory.malaysianbar.org.my)
31. [Office of the Chief Registrar, Federal Court of Malaysia: scam alert](https://www.kehakiman.gov.my/en/scam-alert)
32. [The Star, 9 October 2026: Budget 2027 proposal to raise the bankruptcy threshold to RM150,000](https://www.thestar.com.my/news/nation/2026/10/09/budget-2027-bankruptcy-threshold-raised-to-rm150000-from-2027-says-anwar)

Web page: https://www.tkp.com.my/publications/what-happens-if-i-ignore-a-letter-of-demand