Why we contacted you.

Your original lender has officially transferred your debt to us. Here is the full explanation, and what you can do next.

What actually happened.

The process is simple and officially recorded. Here are the steps.

Your debt was transferred
Your bank, fintech, or financial institution transferred your unpaid debt to us, officially and on record.
Settle your debt with us
Once the transfer is complete, Teman Lunas is the party that contacts you and helps you settle that obligation.
Collection is closely supervised
Communication is handled by our own team or by licensed collection partners we supervise, under our code of conduct and OJK rules.

Unpaid debt is not good for anyone. Here is what changes once it is transferred to us.

You: Removed from economic activity
Reduced quality of life
Banks & Financial Institutions: Non-performing assets generate no profit
Potential conflict with customers
Extra cost of debt collection

You: Your obligation is resolved clearly
A return to normal financial activity
Quality of life restored
Banks & Financial Institutions: Assets and capital are freed up
Lower costs
Management time refocused on their core business

Our messages can vary. If you are unsure, do not reply. Contact us directly through the channels below, and remember these three things.

Day-to-day collection may be carried out by the licensed partners below, working to our strategy, oversight, and compliance standards.

This list may change over time. Every partner works under our code of conduct and supervision.

Contact our Customer Service. Our team will help confirm it is genuine and explain your next step.