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Knowledge Base · Blog

Practical filing guides, case analysis and tips.

A cardboard-style shopkeeper character (char-merchant) standing behind a wooden counter reading blank documents, a stack of blank envelopes and paper on the counter, a green origami lion with navy inner folds standing on the counter beside her, a Hong Kong shopfront security grille and a plain-faced wall clock visible behind, a cardboard cash box holding blank paper banknotes beside a cash register on the right.
Loan Recovery9 min

The Company That Owes You Money Just Wound Up — Can You Still Get Paid?

EasyDebt breaks this down using published guidance from the Official Receiver's Office (ORO) and the Community Legal Information Centre (CLIC): once a company is formally wound up by court order, creditors generally stop using the Small Claims Tribunal and instead submit a proof of debt to the liquidator; unsecured creditors rank last in the distribution order and may only recover part of what's owed, or nothing at all, but filing a claim is still worth doing. General procedural information only, not legal advice.

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Property Disputes8 min

Neighbour's Air-Con Dripping Water Damaged Your Property? Claiming in Hong Kong

EasyDebt breaks this down using public materials from the Food and Environmental Hygiene Department, a government press release, the Hong Kong Judiciary and 1823: why upstairs air-conditioner dripping is so common, how FEHD's fines differ from compensation for your own loss, what evidence actually matters, and how to file at the Small Claims Tribunal. General procedural information only, not legal advice.

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Property Disputes8 min

Joint Office Can't Find the Leak Source? What to Do Next in Hong Kong

EasyDebt breaks this down using public materials from the Joint Office for Investigation of Water Seepage, government press releases and the Hong Kong Judiciary: what happens after the Joint Office fails to pin down a source, how the Tribunal's 'balance of probabilities' standard actually works, when you can file without waiting for a result, and what to do if you name the wrong defendant. General procedural information only, not legal advice.

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Service Disputes8 min

Renovation Defects After Handover: Claiming Under the Warranty Period in Hong Kong

EasyDebt sets out, based on public information from the Hong Kong Judiciary and the Consumer Council: what to do when defects such as leaks, peeling paint or faulty switches appear after a renovation is signed off, how to tell a warranty defect from new damage, how to notify the contractor, and how to pursue a Small Claims Tribunal claim. For general procedural reference only; this is not legal advice.

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Estate Agency Disputes9 min

The Deal Fell Through After You 撻訂 — Do You Still Owe Commission?

EasyDebt's guide, based on public guidance from the Estate Agents Authority and the Community Legal Information Centre (CLIC) — when a provisional sale falls through, the forfeited deposit and the estate agent's commission are two separate questions. Deposit forfeiture is governed by the contract, and a vendor keeping more than 10% of the price without proof of actual loss may not be upheld; commission depends entirely on what your signed Form 3/4 agreement states, not on whether the deal completed. Disputes can go to EAA determination or the Small Claims Tribunal. Procedural information only, not legal advice.

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Property Disputes9 min read

Who Pays When Concrete Falls? Spalling-Concrete Liability in Hong Kong

Prepared by EasyDebt using publicly available information from the Hong Kong Judiciary, the Home Affairs Department's building management pages, and the Buildings Department: who is liable when spalling concrete damages a vehicle or other property — private unit, a connected upstairs unit, or the common parts — plus the Owners' Corporation's third-party risk insurance and the Small Claims Tribunal route. For general procedural reference only — not legal advice.

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Consumer Disputes8 min read

Chargeback or Small Claims Tribunal? Deciding How to Fight a Bad Purchase in Hong Kong

Prepared by EasyDebt using publicly available information from the Hong Kong Judiciary, a card-issuing bank's chargeback guidance, and the official FPS (轉數快) FAQ: how credit card chargeback compares to filing at the Small Claims Tribunal, and why FPS/PayMe transfers leave a real recovery gap. For general procedural reference only — not legal advice.

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Water Leakage9 min

Water Damage: Claim on Insurance or Sue at the Tribunal? A Hong Kong Decision Guide

EasyDebt breaks this down using public materials from the Buildings Management Authority, the Consumer Council and the insurance industry: how a home insurance liability benefit actually works, what the excess and exclusions really mean, how to chase the shortfall, and what an insurer's subrogation right means for you. General procedural information only, not legal advice.

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Debt Recovery9 min

Repaid With a Bounced Cheque? Recovering a Private Debt in Hong Kong When It Dishonours

EasyDebt breaks this down using the Hong Kong Judiciary and Hong Kong Police Force's public materials: the common reasons a cheque dishonours, why the Judiciary keeps a dedicated dishonoured-cheque claim form, the difference between the criminal and civil routes, and how to file a Small Claims Tribunal claim using a bounced cheque and its dishonour memo. General procedural information only, not legal advice.

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Papercraft illustration, in matte cardboard, of a building common-area corridor with an exposed ceiling pipe dripping a stylized water droplet into a paper bucket, while a casual young man character kneels beside the bucket looking up and a smart-casual woman character stands behind him pointing at the pipe.
Water Leakage8 min read

Leak From a Common-Area Pipe? Who Pays — the Owners' Corporation or a Neighbour

Prepared by EasyDebt using publicly available information from the Home Affairs Department's building management website, the Community Legal Information Centre (CLIC), the Joint Office for Investigation of Water Seepage Complaints and the Hong Kong Judiciary: common-area leaks (roof, external wall, shared pipework) should be pursued against the Owners' Corporation, not the party you'd chase for a leak from a private unit above — with evidence tips and how to file at the Small Claims Tribunal. For general procedural reference only — not legal advice.

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Deposit Disputes8 min

Shop or Office Deposit Not Returned? Commercial Tenancy Deposit Disputes in Hong Kong

EasyDebt's guide, compiled from Hong Kong Judiciary public information and commercial real-estate industry practice, on how shop and office deposit disputes differ from residential ones, what a reinstatement clause requires, and how to recover a deposit through the Small Claims Tribunal. For general procedural reference only, not legal advice.

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Illustration in the soft cardboard cute style: an apron-wearing merchant character (char-merchant) stands behind a wooden counter with a washing machine's drum cover removed in front of her, the green-and-navy EasyDebt origami lion standing on all fours beside her, a plain-faced wall clock and a purely geometric wall decoration behind them.
Appliance Repair8 min

Appliance Repair Shop Overcharged or Made It Worse? Disputing Repairs in Hong Kong

EasyDebt sets out, based on public information from the Supply of Services (Implied Terms) Ordinance (Cap. 457) and the Hong Kong Judiciary: when a household appliance repair bill balloons or a shop won't release your appliance, what your legal grounds are, how to calculate the amount, and how to pursue a claim through the Small Claims Tribunal. For general procedural reference only; this is not legal advice.

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Deposit Disputes8 min read

Fair Wear and Tear or Real Damage? Deposit Deduction Disputes in Hong Kong

Prepared by EasyDebt using publicly available information from the Community Legal Information Centre (CLIC), the Landlord and Tenant (Consolidation) Ordinance, and the Hong Kong Judiciary: how the law distinguishes fair wear and tear from real damage when a landlord deducts from your deposit, what evidence wins the argument, and how to recover an unreasonable deduction at the Small Claims Tribunal. For general procedural reference only — not legal advice.

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A cardboard-style casual young man character hands a sealed paper deposit envelope to a smart-casual woman character across a cardboard table, with a small folded-paper house model on the table and an empty wooden chair beside them, set in a matte cardboard scene with paper trees in the background
Deposit Disputes9 min read

Deposit Held by the Estate Agent, Not the Landlord? How to Recover It in Hong Kong

Prepared by EasyDebt using publicly available Estate Agents Authority (EAA) practice circulars and Hong Kong Judiciary information: when a rental deposit is held by the estate agent as stakeholder, what to do if the agent goes quiet or refuses to release the money, who the right party to pursue actually is, and how to recover it through the Small Claims Tribunal. For general procedural reference only — not legal advice.

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Debt Recovery9 min

Charging Interest on a Private Loan in Hong Kong: What Cap. 163 Lets You Recover

EasyDebt breaks this down using CLIC (Community Legal Information Centre), a government press release and the Hong Kong Judiciary: under section 24 of the Money Lenders Ordinance (Cap. 163), charging interest above 48% per annum is a criminal offence; a rate between 36% and 48% is presumed an extortionate transaction and generally unenforceable unless the court is satisfied otherwise; these thresholds took effect on 30 December 2022 and apply to any person, not just licensed money lenders. General procedural information only, not legal advice.

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Estate Agency Disputes8 min

Complain to the EAA or Sue for the Money? Two Routes in a Hong Kong Agency Dispute

EasyDebt's guide, based on public guidance from the Estate Agents Authority and the Hong Kong Judiciary — the EAA can discipline a licensed agent, but has no power to recover your losses; getting money back means the Small Claims Tribunal (up to HK$75,000). The two routes do different jobs, and you often need both. Procedural information only, not legal advice.

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A cardboard-style woman in a yellow blouse and burgundy skirt sitting behind an estate agency counter, gesturing while explaining, a green paper-craft lion standing on all fours beside the counter, a row of blank paper signs hanging in the shopfront window
Estate Agency Disputes9 min

Estate Agency Commission Disputes in Hong Kong: When Is Commission Actually Owed?

EasyDebt's guide, based on public guidance from the Estate Agents Authority and the Community Legal Information Centre (CLIC) — commission amounts are set entirely by contract, not by law; a claimant needs a signed estate agency agreement to have an enforceable right to it, and disputes can go to EAA determination or the Small Claims Tribunal. Procedural information only, not legal advice.

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Debt Recovery9 min

How Long Do You Have to Sue for a Debt in Hong Kong? The Six-Year Limitation Period

EasyDebt breaks this down using CLIC (Community Legal Information Centre), Hong Kong law-firm published guidance and the Judiciary: the general limitation period for recovering a debt is six years (Limitation Ordinance Cap. 347), running from the date repayment fell due — not the date the money was lent. A written, signed acknowledgement or a part-payment can restart the clock, and passing the deadline doesn't automatically mean the debt is unrecoverable. General procedural information only, not legal advice.

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Tenancy Disputes9 min

Which Hong Kong Tribunal Hears a Landlord-Tenant Dispute?

EasyDebt breaks down the split, based on Hong Kong Judiciary public information: the Small Claims Tribunal recovers money up to HK$75,000 but cannot order a tenant to leave; the Lands Tribunal handles recovery of possession; and claims above $75,000 go to the District Court or Court of First Instance. General procedural information only, not legal advice.

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Estate Agency Disputes9 min

Signed a Viewing Form in Hong Kong? What It Commits You To

EasyDebt's guide, based on the Estate Agents Authority and Hong Kong law — a viewing form is the statutory estate agency agreement (Form 4 for buyers, Form 6 for tenants); signing it can still leave you owing commission if you complete a deal through another agent or the owner directly while the agreement is valid. Procedural information only, not legal advice.

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Tenancy Disputes9 min

Rent in Arrears: A Hong Kong Landlord's Guide

EasyDebt's guide, based on the Hong Kong Judiciary, CLIC and the Inland Revenue Department's stamp duty guidance — a landlord's recoverable claim is the arrears plus whatever rates, government rent and interest the tenancy agreement makes the tenant liable for; the deposit should be applied before filing, and claims of HK$75,000 or under can go to the Small Claims Tribunal. Procedural information only, not legal advice.

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Tenancy Disputes9 min

Dealing with a Rent Defaulter in Hong Kong: What to Do, in Order

EasyDebt's guide, based on the Landlord and Tenant (Consolidation) Ordinance (Cap. 7) and CLIC — a landlord facing unpaid rent should follow a set order: document, demand, then terminate through the court. Self-help eviction (changing locks, removing belongings, cutting utilities) is unlawful and can trigger a criminal charge and a counterclaim. Procedural information only, not legal advice.

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Debt Recovery9 min

How to Write a Loan Note (IOU) in Hong Kong — and How to Sue Without One

EasyDebt breaks this down using the Hong Kong Inland Revenue Department, the Money Lenders Ordinance and CLIC (Community Legal Information Centre): what a valid loan note needs, a copyable template, whether stamping or witnessing is required, the statutory interest ceiling, and how to prove an undocumented loan. General procedural information only, not legal advice.

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Tribunal Procedure9 min

How to File a Counterclaim in Hong Kong

EasyDebt's guide, based on Hong Kong Judiciary guidance and the Small Claims Tribunal Ordinance (Cap. 338) — a defendant may file a Form of Counterclaim alongside a Defence, must lodge it in person, pays a separate filing fee, and has it heard together with the original claim. Procedural information only, not legal advice.

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Consumer Disputes10 min

Tutoring Centre or Online Course Won't Refund? How to Recover Fees in Hong Kong

EasyDebt's guide based on the Continuing Education Fund standard refund policy, EDB circulars and Consumer Council material: CEF courses discontinued after commencement must be refunded pro-rata within one month, tuition centres must register under the Education Ordinance but registration does not mean fees are regulated, and claims up to HK$75,000 can be filed at the Small Claims Tribunal.

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Consumer Disputes12 min read

Travel Agency Cancelled Your Trip or Won't Refund You? A Complete Guide for Hong Kong Travellers

Travel agency cancelled your trip or won't refund you? A Hong Kong guide to TIA complaints, the Compensation Fund, and the Small Claims Tribunal (HK$75,000 ceiling). Not legal advice.

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Vehicle Repair9 min

Car Repair Shop Overcharged You or Botched the Job? A Complete Guide to Recovering Your Money in Hong Kong

EasyDebt sets out, based on public information from the Supply of Services (Implied Terms) Ordinance (Cap. 457), the Hong Kong Judiciary, the Electrical and Mechanical Services Department and Hong Kong Customs: when your repair bill balloons or the work is shoddy, what your legal grounds are, how to calculate the amount, and how to pursue a claim through the Small Claims Tribunal. For general procedural reference only; this is not legal advice.

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Tribunal Process8 min

How to File a Small Claim in Hong Kong

You can claim up to HK$75,000 at the Hong Kong Small Claims Tribunal, filing fees run HK$20 to HK$120, and lawyers cannot represent you — you present your own case. EasyDebt breaks down how to file, based on the Judiciary and the Small Claims Tribunal Ordinance, plus how to enforce a judgment. General procedural information only, not legal advice.

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Beauty & Gym9 min read

Gym or Beauty Salon Refused Your Refund? Consumer Council Mediation, Chargebacks, and the Small Claims Tribunal

Gym or beauty salon refusing to refund you? Prepared by EasyDebt using publicly available information from the Consumer Council, the Trade Descriptions Ordinance (Hong Kong Customs), and the Hong Kong Judiciary: free mediation, credit card chargebacks, the evidence you need, and how to file at the Small Claims Tribunal. For general procedural reference only — not legal advice.

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Tribunal Process7 min

Demand Letter Template for Hong Kong Debts

EasyDebt breaks down the demand letter based on the Hong Kong Judiciary and the Small Claims Tribunal Ordinance: what to include, how to get the tone right, how to send it, and what to do next if the other side ignores it and you need to file at the Small Claims Tribunal. General procedural information only, not legal advice.

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Paper-craft lion and the cardboard elder character looking up at a damp-stained ceiling in a Hong Kong flat, a bucket catching drips below
Water Leakage9 min read

Water Leakage Claims: How to Recover Repair Costs When the Upstairs Owner Won't Pay

Prepared by EasyDebt using publicly available information from the Joint Office for Investigation of Water Seepage Complaints (Buildings Department and Food and Environmental Hygiene Department) and the Hong Kong Judiciary: how to use the official investigation process, professional leak testing, and evidence to recover repair costs through the Small Claims Tribunal if negotiation fails — including the key points of the new investigation procedure effective from 16 July 2026. For general procedural reference only — not legal advice.

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Tribunal Process10 min

Representing Yourself at the Small Claims Tribunal

Facing your first Small Claims Tribunal hearing without a lawyer? EasyDebt breaks down what to wear, how to present your case, how to handle cross-examination, and every step of the trial day — plus what happens after you win or lose — based on the Hong Kong Judiciary and the Small Claims Tribunal Ordinance.

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Online Shopping8 min read

Online Shopping Gone Wrong: How to Claim When Goods Don't Match or Never Arrive in Hong Kong

Prepared by EasyDebt using publicly available information from the Hong Kong Judiciary, the Consumer Council, and the Small Claims Tribunal Ordinance: how to tell local sellers from overseas ones, the evidence you need, and the correct claim amounts and filing fees for the Small Claims Tribunal. For general procedural reference only — not legal advice.

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Paper-craft lion and the cardboard young man character at a home studio desk, going through a stack of unpaid invoices beside a laptop
Debt Recovery8 min

Freelancer's Guide to Unpaid Invoices in Hong Kong: Filing at the Small Claims Tribunal

EasyDebt sets out, based on the Hong Kong Judiciary and the Small Claims Tribunal Ordinance: freelancers, designers, photographers and consultants left unpaid by a client can recover fees of up to HK$75,000 through the Small Claims Tribunal — even without a formal contract, and without a lawyer. For general procedural reference only; this is not legal advice.

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Renovation8 min

Renovation Contractor Disputes in Hong Kong

EasyDebt sets out, based on public information from the Hong Kong Judiciary, the Consumer Council and Hong Kong Customs: what to do when a renovation contractor disappears, abandons the project, or delivers substandard work — evidence to gather, options before filing, and how to pursue a Small Claims Tribunal claim. For general procedural reference only; this is not legal advice.

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Paper-craft lion bent over a desk carefully filling in a Small Claims Tribunal claim form, pen in hand, with a blank form on the desk
Tribunal Process10 min

How to Write a Small Claims Tribunal Claim Form: Full Example, Form 1 & 2 Guide, and 5 Common Mistakes

EasyDebt breaks this down using the Hong Kong Judiciary and the Small Claims Tribunal Ordinance: the claim form is really two documents, Form 1 and Form 2. This guide gives a full worked example of the grounds of claim, the correct way to submit, and the 5 most common mistakes — so you get it right the first time.

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Tribunal Process9 min

Received a Small Claims Tribunal Summons? Complete Defendant's Response Guide

Received a Small Claims Tribunal summons? Don't panic — EasyDebt breaks down the real defence deadline, what Form 3 actually is, counterclaims, and hearing preparation, based on the Hong Kong Judiciary and the Small Claims Tribunal Ordinance.

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Paper-craft lion and the cardboard tenant character inspecting the walls of an emptied Hong Kong rental flat on move-out day, keys and boxes on the floor
Deposit Disputes9 min read

Which Tribunal Hears a Landlord-Tenant Dispute?

Prepared by EasyDebt using publicly available information from the Community Legal Information Centre (CLIC), the Landlord and Tenant (Consolidation) Ordinance, and the Hong Kong Judiciary: which deduction reasons hold up, what evidence you need, and how to recover a deposit through the Small Claims Tribunal. For general procedural reference only — not legal advice.

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Tribunal Process8 min

How to Enforce a Small Claims Judgment in HK

A Small Claims Tribunal judgment doesn't collect the money for you — the only enforcement method the Tribunal officially publishes is a Writ of Fieri Facias (seizure of goods). EasyDebt sets out the application steps, fees and limits based on the Hong Kong Judiciary's 'How to Enforce a Judgment' leaflet and the Small Claims Tribunal Ordinance, and clears up why a charging order or attachment of income order is NOT a Small Claims Tribunal procedure.

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A paper-craft lion sitting at a wooden desk in a home study, with bookshelves, a potted plant, and sunlight through a window behind him, tapping a calculator while checking a long receipt, with two stacks of paper-craft coins on the desk
Tribunal Process7 min

Small Claims Tribunal Fees in Hong Kong

EasyDebt breaks down the Hong Kong Judiciary's October 2024 Small Claims Tribunal fee schedule: filing fees are tiered from HK$20 to HK$120 by claim amount, plus review and writ of execution fees, with a cost framework for deciding whether pursuing a claim is worthwhile. For general reference only — not legal advice.

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A paper-craft lion standing at a fork in the road — one path leads to a desk with forms and a pen, the other to a warm light where someone is waiting to help
Tribunal Process7 min

DIY Filing vs. Getting Help: How to Choose Your Small Claims Tribunal Route

Should you file your Hong Kong Small Claims Tribunal claim yourself, or get professional support? EasyDebt breaks down the real differences, costs, and who each route suits, based on the Judiciary's tribunal guidance and the Small Claims Tribunal Ordinance. For general reference only — not legal advice.

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Tribunal Process8 min

Preparing Evidence for the Small Claims Tribunal

EasyDebt breaks this down using the Hong Kong Judiciary's official leaflets, including 'Documents Required in Small Claims Cases': how to prepare photos, messages, receipts, and witness statements before filing at the Small Claims Tribunal, with practical notes on document pagination and the email submission restriction. General procedural information only, not legal advice.

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Paper-craft lion beside a small Hong Kong shop counter as the cardboard merchant character looks over an open ledger
Debt Recovery8 min

Debt Limitation Period in Hong Kong: Six Years

Before you chase a debt, read this. EasyDebt sets out — based on the Limitation Ordinance (Cap. 347), the Small Claims Tribunal Ordinance and public Hong Kong Judiciary information — limitation periods for debt recovery, whether verbal agreements count, how to assess the other party's ability to pay, and which route best fits your case. For general procedural reference only; this is not legal advice.

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A cardboard-style man in a grey top sitting at a living-room table, one hand holding the snapped-off handle of a dented paper kettle, the other resting on a blank paper note, a green paper-craft lion standing on all fours beside the table
Consumer Disputes9 min read

Consumer Council Complaint: Will You Get Paid?

Prepared by EasyDebt using publicly available information from the Consumer Council, Hong Kong Customs, and the Hong Kong Judiciary: the real difference between complaining to the Consumer Council and filing at the Small Claims Tribunal — which one can actually get your money back. For general procedural reference only — not legal advice.

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