Final Demand for Payment Letter Template
Create a formal demand for payment before pursuing legal action.
This is your last step before court. This letter makes it clear you will sue if the debt is not paid.
Progress0%
1. Your Information
2. Debtor's Information
3. Debt Details
4. Payment Details
Download Your Letter
Fill in the form above to personalize your letter, or download the template as-is
[Your Name/Your Company Name]
[Your Address]
[City, State ZIP]
July 4, 2025
[Debtor's Name/Company Name]
[Debtor's Address]
[City, State ZIP]
Subject: Final Demand for Payment Before Legal Action
To Whom It May Concern:
This letter serves as a final demand for payment of the outstanding debt owed to [Your Name/Your Company Name].
The total amount of the debt is $[Total Amount Owed], for [Brief Description of Goods/Services Provided]. This amount was due on [Original Due Date].
Despite our previous attempts to resolve this matter, the debt remains unpaid. We have attached a copy of the original invoice (Invoice #[Invoice Number]) for your reference.
This is your final opportunity to settle this debt before we are forced to pursue legal action to collect the outstanding amount. If we do not receive payment in full within 15 days of the date of this letter, we will have no choice but to commence a lawsuit against you.
If legal action is necessary, we will seek to recover the full amount of the debt, in addition to any court costs, interest, and attorney's fees permitted by law.
Payment can be made by [Accepted Payment Methods, e.g., check, wire transfer]. Please send payment to the address above.
We urge you to treat this matter with the seriousness it deserves. We expect to receive payment in full by July 19, 2025.
Sincerely,
[Your Printed Name/Company Representative's Name]
What Happens After You Send This
When Delivered (1-5 business days)
The debtor is formally on notice of impending legal action with proof of delivery.
Within 1-2 weeks after delivery
You may receive payment or a response to negotiate.
If They Don't Respond
You can proceed with filing a lawsuit.