AI Prompt Library

Debt Recovery prompts for Australian lawyers

These prompts are designed for AU debt recovery practitioners handling commercial and consumer debt claims, statutory demands, and enforcement. Copy any prompt, replace placeholders with your matter facts, and run it.

In short

A curated library of 25 AI prompts for Australian debt recovery lawyers. Each prompt is grounded in state civil procedure rules, the Corporations Act 2001 (Cth) statutory demand regime, and current authority. Use them with Quillio for demands, proceedings, and enforcement.

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Research

Research prompts (5)

Research limitation periods for debt

Prompt

Research the limitation period for a simple contract debt in [state]. Cover part payment and acknowledgement rules under the Limitation Act and current authority on acknowledgement by email.

Example use: A simple contract debt in NSW where the last payment was made 5 years and 11 months ago.

Research statutory demand requirements

Prompt

Research the requirements for a creditor's statutory demand under sections 459E–459G of the Corporations Act 2001 (Cth). Cover the $4,000 threshold, genuine dispute test, and service requirements.

Example use: A trade debt of $85,000 against a company with no apparent defence.

Research garnishee and installment orders

Prompt

Research the availability and process for garnishee orders and installment orders to enforce a judgment debt in [state]. Cite the relevant rules and current authority.

Example use: Enforcing a $45,000 judgment against an employed individual debtor in Victoria.

Research the genuine dispute test

Prompt

Research the genuine dispute test for setting aside a statutory demand under section 459H of the Corporations Act 2001 (Cth). Cover the low threshold and the approach in current authority.

Example use: Advising a debtor company on an application to set aside a statutory demand based on disputed variations.

Research interest and costs on debts

Prompt

Research the interest rate and costs scales applicable to a judgment debt in [state/court]. Cover pre-judgment interest, post-judgment interest, and party-party costs.

Example use: Calculating interest and costs on a $150,000 judgment in the NSW Supreme Court.

Drafting

Drafting prompts (5)

Draft a letter of demand

Prompt

Draft a letter of demand for a commercial debt. Creditor: [details]. Debtor: [details]. Amount: [details]. Include interest, costs, response deadline, and reservation of rights.

Example use: A 14-day letter of demand for $32,000 owed under a consulting agreement.

Draft a statement of claim — debt

Prompt

Draft a statement of claim for a simple contract debt in the [court]. Plaintiff: [details]. Defendant: [details]. Particulars: [details]. Plead debt, interest, and costs.

Example use: A Local Court statement of claim for unpaid invoices totalling $22,000.

Draft a creditor's statutory demand

Prompt

Draft a creditor's statutory demand under section 459E of the Corporations Act 2001 (Cth). Creditor: [details]. Debtor: [details]. Debt: [details]. Include a verifying affidavit.

Example use: A statutory demand for a $120,000 trade debt against a trading company.

Draft an application for default judgment

Prompt

Draft an application and supporting affidavit for default judgment in a debt proceeding. Include proof of service, calculation of debt, interest, and costs.

Example use: Applying for default judgment in a District Court debt claim after no appearance.

Draft a garnishee order application

Prompt

Draft an application for a garnishee order on wages or bank account to enforce a judgment debt in [state]. Include the supporting affidavit and draft order.

Example use: Garnishee of wages of an employed judgment debtor after default judgment.

Review

Review prompts (5)

Review a letter of demand

Prompt

Review this letter of demand. Check the amount claimed, interest calculation, compliance with any pre-action protocols, and tone. Identify any weaknesses a recipient could exploit.

Example use: Reviewing a letter of demand drafted by a junior practitioner before it is sent.

Review an application to set aside a statutory demand

Prompt

Review this application and affidavit to set aside a statutory demand. Assess the genuine dispute and offsetting claim arguments and likely prospects.

Example use: A debtor company's application relying on disputed contract performance.

Review a proposed settlement deed

Prompt

Review this debt settlement deed. Check the release scope, installment mechanics, default triggers, and security. Identify any risks of future dispute.

Example use: A deed proposing 12 monthly installments on a $80,000 debt with a personal guarantee.

Review a counterclaim and set-off

Prompt

Review this counterclaim and set-off filed by the debtor. Identify the strongest and weakest arguments and the likely impact on recovery.

Example use: A defendant counterclaiming for alleged defective workmanship in response to a debt claim.

Review a debtor's financial disclosure

Prompt

Review this debtor financial disclosure. Identify assets to target for enforcement, inconsistencies, and possible undisclosed interests in companies or trusts.

Example use: Post-judgment financial disclosure from a director of an insolvent small business.

Client comms

Client comms prompts (5)

Explain the debt recovery process

Prompt

Draft a plain-English explanation of the AU debt recovery process from letter of demand through to enforcement. Include typical timeframes and costs.

Example use: For a small business client considering recovery of a $40,000 unpaid invoice.

Explain a statutory demand

Prompt

Draft a plain-English letter to a corporate debtor client explaining the consequences of a statutory demand and the 21-day time limit to respond.

Example use: For a debtor director who has just received a statutory demand.

Explain enforcement options

Prompt

Draft a plain-English letter to a client explaining the enforcement options after judgment, including garnishee, examination, writ of execution, and bankruptcy notice.

Example use: For a creditor with a $60,000 judgment against an individual debtor in Queensland.

Explain the consequences of ignoring a claim

Prompt

Draft a plain-English letter warning a debtor client of the consequences of ignoring a statement of claim, including default judgment and enforcement.

Example use: For a newly retained debtor client who has not responded to a claim for three weeks.

Letter on a settlement offer

Prompt

Draft a plain-English letter to a client advising on a settlement offer received in a debt matter. Include the risks of litigation and realistic net recovery.

Example use: Advising on a 75% lump sum settlement offer in a $200,000 debt matter.

Strategy

Strategy prompts (5)

Strategy for a contested debt claim

Prompt

Develop a strategy for a contested debt claim. Facts: [details]. Identify the strongest and weakest arguments and the optimal procedural track.

Example use: A $180,000 claim for professional fees disputed on quality grounds.

Strategy for using a statutory demand

Prompt

Develop a strategy on whether to use a statutory demand or ordinary debt proceeding. Debt: [details]. Consider the genuine dispute risk and insolvency implications.

Example use: A $250,000 trade debt where the debtor has repeatedly promised payment.

Strategy for enforcing against a company

Prompt

Develop an enforcement strategy against a corporate judgment debtor. Judgment: [details]. Consider examination, winding-up, and director personal guarantees.

Example use: Enforcing a $300,000 judgment against a trading company with no disclosed assets.

Strategy for a personal guarantee claim

Prompt

Develop a strategy for a claim against a guarantor after primary debtor default. Facts: [details]. Consider enforceability, Yerkey principles, and quantum.

Example use: A claim against a director under a personal guarantee after the company has been placed in liquidation.

Strategy for multi-jurisdictional recovery

Prompt

Develop a strategy for recovering a debt from a debtor with assets in multiple Australian states. Facts: [details]. Consider Service and Execution of Process Act 1992 (Cth) and enforcement.

Example use: A Sydney creditor recovering from a Queensland-registered debtor with property in Victoria.

Use with Quillio

Run these prompts grounded in AU law

Quillio is built for Australian civil and insolvency practice — every research output cites state civil procedure rules, the Corporations Act 2001 (Cth), and current authority. See /practice-areas/commercial-lawyers for details, or start a free trial at /free-trial to use these prompts on your own matters.

These prompts are templates — always verify outputs against source material and current legislation before relying on them in client matters.

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