Example Demand Letter: Second Attempt to Collect a Debt

This is an example demand letter attempting to collect an unpaid debt. For more demand letters, see the Minnesota Demand Letters page.

Watch This Before You Continue

[DATE]

[DEBTOR]
[STREET ADDRESS]
[CITY], [STATE] [ZIP]

Account: [DEBTOR’S ACCOUNT]
Invoice #: [INVOICE NUMBER]
Invoice Date: [INVOICE DATE]
Invoice Amount: $[INVOICE AMOUNT]

THIS IS A DEMAND FOR PAYMENT.

YOUR PAST DUE ACCOUNT HAS BEEN REFERRED FOR COLLECTION. IN AN ATTEMPT TO GIVE YOU AN OPPORTUNITY TO RESOLVE THIS DELINQUENCY, PLEASE SEND YOUR PAYMENT OR EXPLANATION FOR NON-PAYMENT.

SEND PAYMENT OR CONTACT THE CREDITOR DIRECTLY AT:

[CLIENT]
[STREET ADDRESS]
[CITY], [STATE] [ZIP]
[PHONE]

  • PAYMENTS BY PERSONAL CHECK, MONEY ORDER, OR CASHIERS CHECK MAY BE ACCEPTED.
  • BANK AND SERVICE CHARGES WILL BE ASSESSED ON ALL RETURNED CHECKS.
  • TO INSURE PROPER CREDIT, PLEASE INCLUDE THE ACCOUNT NUMBER REFERENCED ABOVE.

THIS AS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. AS REQUIRED BY LAW, YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. UNLESS YOU NOTIFY [COLLECTOR] DIRECTLY WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTE THE VALIDITY OF THIS DEBT OR ANY PORTION THEREOF, [COLLECTOR]WILL ASSUME THE DEBT IS VALID. IF YOU MAKE A REQUEST TO [COLLECTOR] DIRECTLY, IN WRITING WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE, [COLLECTOR] WILL OBTAIN VERIFICATION OF THE DEBT OR OBTAIN A COPY OF THE JUDGMENT AND MAIL IT TO YOU. IF YOU MAKE A REQUEST TO THE CREDITOR IN WRITING, WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE, THE CREDITOR WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR IF DIFFERENT FROM THE CURRENT CREDITOR. FURTHERMORE, YOU UNDERSTAND THAT THIS NOTICE IS FROM A DEBT COLLECTION AGENCY OFFERING YOU AN OPPORTUNITY TO SETTLE THIS DELINQUENCY WITH THE CREDITOR.

If you have any questions, please feel free to contact our office.

Sincerely,

[ATTORNEY]
Attorney at Law
[PHONE]
[EMAIL]