Debt Collection Templates

Before suing over an unpaid invoice or loan, it is usually wise, and in some tribunals expected, to make a clear written demand. A good demand letter states what is owed and why, sets a reasonable deadline, proposes a way to pay and says what will happen next, without threats or claims the law prohibits. It also becomes evidence: tribunals and courts look at whether the creditor gave the debtor a fair chance to pay before starting a claim.

The templates here are written for a named jurisdiction's limitation periods, interest rules and small claims process. Each letter is firm, professional and factual, with guidance notes on calculating interest, choosing a deadline, delivering the letter so you can prove it was received and what to do if there is no response. Shaded fields mark the details to complete.

Businesses that collect debts for others are often regulated separately. These templates are written for creditors collecting their own debts.