Updated June 09, 2023
A Debt Collections Letter is a notice that is sent by a creditor seeking payment for an outstanding amount with instructions to the debtor.
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What to Include
In order to be compliant with Fair Debt Collection Practices, the letter must contain the following:
- The debt amount ($)
- The creditor’s name
- A statement informing the debtor that if they do not dispute the validity of the debt within 30 days, it will be assumed to be valid by the debtor.
Sample
DEBT COLLECTION LETTER
[SENDER MAILING ADDRESS]
Date [DATE]
URGENT: PLEASE RECTIFY THIS MATTER IMMEDIATELY
Dear [RECIPIENT’S NAME],
Despite our previous reminders, the above amount due remains unpaid. As such, we would appreciate you making this payment as soon as possible.
DUE AMOUNT: $[AMOUNT]
PLEASE REMIT PAYMENT TO: [COLLECTIONS AGENCY]
We regret to advise that unless payment is received by [DATE] this collection will be passed over to our debt collection agency/lawyer. This could seriously affect your credit rating and therefore urge you contact us immediately to make payment or arrange an alternative before this date.
You have the right to dispute this debt by submitting written notice within thirty (30) days of receiving this letter. If this letter is not disputed within the thirty (30) day timeframe then the collection will be considered accepted by the debtor.
Sincerely,
[NAME OF SENDER]
Related Forms
Past Due Invoice Letter – For individuals and businesses that have not paid an invoice for a product or service that was provided.