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Letter to debtor requesting payment

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Letter to debtor requesting payment
October 20, 2018 Anniversary Wishes No comments

Also known as an 'outstanding payment letter' or 'debt recovery letter', a tried and perfected late payment letter template is a handy tool to have.

If you work for a bank, credit company, debt collection agency or medical facility, or own a business, you most likely need to collect debts. There are laws in place that regulate the process of debt collection, protecting the rights of both the debtor and the creditor. In addition, a professional and appropriate sample letter for collecting debt is a valuable tool in achieving debt settlement. These letters can vary greatly depending on the type of collection, as well as the time frame the debtor has to reach a settlement. But all such letters should clearly and simply communicate the desired settlement process while avoiding the appearance of being abusive or deceptive.

Type your name and/or business or company name at the top of the page, followed below by your address. Double-space and type the current date.

Double-space and type the debtor's information, including his name and the name of his business (if this is a business debt collection) and the corresponding address. Double-space and type your formal greeting, such as "Dear Mr./Mrs." and the debtor's last name.

Double-space again and type your first paragraph. The content of this paragraph will vary depending on many factors, including whether this is a first or final notification, the relationship (if any) between you the creditor and the debtor, and the type of debt you are referring to. However, the paragraph should clearly explain that you are contacting the debtor for the purpose of collecting a specific debt that is owed and most likely overdue. Be sure to refer to either the account number associated with the debt or mention the service received that has not yet been paid for.

Double-space and type the second paragraph, in which you will offer any possible payment plans or reductions. Let the debtor know that you are willing to work with her to resolve the debt. If this is a final notification, remind the debtor of your previous attempts at settlement and tell her she is receiving final notification.

Double-space again and type your closing paragraph. Express your desire to receive some form of return communication and/or payment, typically a phone call or letter. You may want to request a specific time frame in which to receive this communication and/or payment. If you feel it is necessary, inform the debtor of the next step in the process if he does not communicate or make payment, but avoid being rude.

Double-space; type your formal closing, such as "sincerely"; and type your full name, title and phone number. After printing, you may sign the document, although it is not necessary for legal purposes.

Use this letter to notify a creditor that you have no ability to make payments on I respectfully request that you contact me by letter only going forward; please do.

Writing a past due letter: samples for professional letters requesting payment

letter to debtor requesting payment

  • The account number of the customer for both internal accounting and so the customer can identify their account.
  • The date of the original debt and any invoice numbers associated with it.
  • The total amount that is owed, along with current payment due and any overdue payments, late fees or penalties associated with the account.
  • The original due date.
  • Include a phone number that directs the customer to the person they need to speak to regarding their debt.
  • A self-addressed, stamped envelope so the customer can choose that method of payment.

Sample letters of how to collect money for missed rent payment?


[Name of the Person Receiving the Letter]

[Address of the Person]

[City, State and Zip Code]

Dear [Name of the Person],

This is to inform you of your unpaid rent due under the rental agreement on the following property:

[State the Property Address]

As of [State the Date Today] your [Monthly Due] payment is [Days Due] past due. Your rent was due on [Date]. In addition, you owe late charges itemized below:

[Show the Computation]

We request the above outstanding balance and interest be settled within [Number of Days] days. If the payment is not received by [Date], we may take legal action to enforce your obligation under the rental agreement.

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Please feel free to contact us at this number, [State your Contact Details], and ask for [Contact Person's Name] if you have any questions or need additional information.


Property Manager

Hi, actually I want to know something.

I have to give a notice to students to inform them about money collection for Saraswati Puja. Can you give me an example, please?

What you need is not a letter to collect debt but rather ask for a donation and you can find how to do that in this VisiHow article titled Write a Letter of Request or Favor for Fundraising/Charity Event.

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How to write a letter that he may sign that he will return money or balance?

I purchased a lease land without papers / without properly identifying the land, it is going for 3 years and no land title is given and the person always giving me turn around and I want to collect the given money.

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Did you ever sign anything previous with him such as a monthly payment agreement? You could list all the payments you have made along with the dates as close as you can get them. Attach them to a letter requesting that you have either a formal agreement made or if you have paid the amount that was agreed on for the purchase of the land, you can request that the title be handed over to you. If you still do not get an answer from him then your next action will be to take him to civil court. You will already be halfway prepared to file, since you will have all the payments you have made accounted for.

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Letter about pending payments from a customer. We need to give the complaint to the association secretary.

In our company, one of the customers is very behind in payments. No payments have been received for the past 18 months so we need a help from the association secretary to collect the money from the customer.

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You could write a letter of request to the association secretary. Include the customer's name and the fact that they are 18 months past due. Ask for the secretary to respond to you once she has made contact or arrangements with the customer.

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I am trying to write a letter about mortgage arrears.

The homeowner has missed 4 payments over a 6-month period. Now I am trying to set up a 3-step payment plan.

Offer three solutions:

  • Pay owed amount in full immediately.
  • Divide the amount owed and assign it equally to the next 6 months of payments.
  • If neither of the above two options aren't agreeable to the homeowner, offer to come up with a separate arrangement the outstanding payments.

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Write a letter in collecting debts in Hindi?

I need to write a letter to collect debts from a customer in Hindi

Use Google translate to compose your letter.

I want to write to a Government agency about an outstanding debt.

How do I write this letter to sound professional?

Use one of the samples above using your information and the letter will appear professional. You also could create a letterhead logo using a design with your initials at the center top of the letter.

How do I write a letter indicating work done, and no salary received?

It was agreed I would receive a monthly salary. I worked three months and have not receive a dime. I have tried: Called the principal at school which I worked and the Director of the JEEP programme. I've received no reply. I think it was caused by: Documents not submitted

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You can request a copy of the documents and if there are none available in their system, request they send you new documentation to complete and return for prompt payment. You can make the threat you'll report them to Labor Board or the Union (if you belong to one), if you feel you need to add a little fire to them.

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I need to write a letter to someone who owes me for vet bills, loss of my animal and the disposal of his remains.

A neighbor's dogs got loose in my neighborhood, dug under my fence and brutally attacked and killed my Nigerian Goat. My brother chased the dogs (3) away from the goat. The goat was rushed to University of Florida Large Animal vet and we had hope the goat would survive but the dogs tore his trachea and the poor animal had to be put down. The dogs were captured and surrendered to animal control. The owners of the Dog are responsible for the cost on the vet $1200, cremation $275, the value of the goat $150, and damages of pain and suffering. The goat was loved by all. I am just not sure how to write the letter.

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Collecting closed account check?

Hi, I have a client who purchases jewelry. She wrote checks, but her account had already been closed. Now she is having a hard time returning the jewelry to me and seems to have no intention on paying on the bad checks. How can I write an authoritative letter in order to collect either the jewelry or the money, as I'm now working abroad? Thanks a lot. I have tried: I have talked to her and she promised to pay little by little over one year, but hasn't even done that. I think it was caused by: Maybe she pawned the jewelry, and she is a swindler.

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My old boss owes me money for a refrigerator I paid for.

The fridge cost $2300, he gave me $300 in cash and gave me items when I worked for him that probably totaled another $500. I have tried: Nothing. I think it was caused by: No problem. Need help composing a letter for his records

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Dear (old boss),

Regarding the purchase of your fridge on (date of purchase) for the cost of $2,300.00. I put up the money for your fridge as a favor to you, but in all this time, I have not been properly reimbursed.

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Although you did pay me $300.00 on (date of payment or approximation), and you gave me items when I worked for you; the value of these is estimated at $500.00. This leaves $1,500 still owed to me for the purchase of your fridge.

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As this has been outstanding for a long time, prompt payment would be appreciated. I certainly don't want this situation to mar our friendship, as it was in friendship that I helped you out.

Looking forward to your reply,

(your name)

Kindly assist me in how to write an appropriate letter to my debtor?

I sold my real estate property to Ms. Trinidad last month. It is an outright sale with a Contract to Sell Agreement. The stipulation is that she will pay the balance of what she owes me and the other amounts that she agreed to pay as part of our legal transaction. We have a TIMELINE for her to make the series of payments. She is now the legal owner of that property as the Title to the hotel (Land/ Building) was already transferred to her. She keeps promising to pay even in writing, but she is not making the payments as agreed upon by both of us.

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How much will I pay for you to write a touching letter that will touch my debtor 's heart to pay back the money?

The debtor owes money that has been outstanding for a long time. I loan him the money when he was a student. I gave him money when he was desperate. He is saying it has been a long time. Please help me write a short letter that will touch his heart to pay back. I need the money now because I am married with children and have responsibilities. I have tried: I only talked to him once recently. He said it has been a long time. I think it was caused by: He has the money but he is saying It has been outstanding for a long time

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I need to write an email to one of the sacco member about her loan balance?

He has a loan balance to pay so I want to know the way forward

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Personal injury has caused debt and someone's daughter is abusing me?

I WANT a questionable harasser to stop spending my funds and injuring and bullying. A man uses me through his family lies and injures me. I have tried: Complaints process, speaking to the switchboard to cease this behavior. I think it was caused by: I am not going to self-blame for a continuous bullying.

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I need to write a letter to a bank for an unpaid AC service bill?

However I unable to trace if payment was already made, some dues are pending for more than 5 years, Can you please help me with a draft mail.

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I am requesting help with a written letter to a person stating that they have an outstanding fee for tickets?

A letter to tell a person that they have outstanding money for tickets that they receive to commit speeding. My situation is dealing with unpaid tickets while yours is not.I need assistance in writing a letter to indicate to a person that they have outstanding fee.

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Reduced Payment Request Sample Letter To Your Creditors | Template

letter to debtor requesting payment

Whenever you issue a debt, always make sure you sign a written agreement with the debtor. This is useful if your debtor fails to repay on time. When debtors fail to pay you on time, you may need to take legal action. For this, you must have proof that a debt was issued. A verbal agreement is not admissible in court as proof.

Sometimes, you give debts to people in goodwill but they may be unable to repay within the stipulated time. This could happen due to honest reasons or in some cases the debtor is dishonest and unwilling to repay the debt. In such situations, it is best to remind a debtor that their debt is due just before the agreed time is over. You may send another reminder about 15 -30 days after the payment date.

If the debtor fails to respond within a reasonable time, you may give a final notice and proceed to take legal action against them.

Here are some sample letters that you can use to notify debtors for due payments:

1- Letter to the debtor requesting payment



Subject:                Request for debt payment

Dear [enter debtor name],

I am hereby requesting for full payment of the debt you requested on [enter date]. As per our agreed terms, you were to repay the debt within [enter time in days/months/weeks/years]. The debt is now overdue by two months. I have some financial affairs to attend for which I require the debt amount. Therefore, I am requesting you to make the debt repayment as soon as possible.


2- Debt collection letter before action



Subject:                Notification for debt payment

Dear [enter debtor name],

I hereby inform you that your debt payment is overdue by six months. As per our agreement, you borrowed [enter amount] from me on [enter date]. You agreed to repay the amount within one year. It has now been 1.5 years and the debt payment are still due. Earlier I wrote you a request for repayment of debt as I had some financial matters to take care of. However, you did not respond positively.

Please pay the debt within 45 days of receiving this notice. Failure to comply with the deadline will then force me to take the matter to court and take legal action against you. I hope you repay the debt within the specified time in order to avoid legal action.


3- Final notice letter before legal action



Subject:                Final notice for debt payment

To [enter debtor name],

I am hereby informing you that your debt payment is long overdue. You are requested to repay the indebted amount within 15 days of receiving this notice. Failure to comply will lead to legal action against you.

On [enter date and year] you borrowed [enter debt amount] from me and promised to pay back within six months. It has now been one year and despite repeated reminders, I have not received payment.

Please consider this my final notice before I take legal action.


4- Friendly collection letter sample



Subject:                Request for debt repayment

Dear [enter debtor name],

I am writing with great guilt to ask you to repay the amount you borrowed from me last year. I understand that you have been through a difficult time and only found a proper job last month. Unfortunately, I am facing some financial issues and need to pay my apartment rent for the past two months.

I would really appreciate if you could repay my debt, so I am able to pay off my apartment rent.


Create a debt recovery letter with help from Rocket Lawyer. first reminder letter to your client or customer(s) relating to an overdue payment. How much time should you give the debtor to fully repay the outstanding amount? You should request your debtor to arrange the payment as soon as possible or on the same date.

Late Payment Letter Templates and Advice

letter to debtor requesting payment

Do you need to write a request payment letter? While contacting clients and asking them to pay bills are past due is unpleasant, it is something people who own and manage businesses certainly have to do from time to time.

Template for Request Payment

To use the letter template provided here, simply click the image below. The document will open as a PDF file that you can then edit, save and print as needed. Use this guide to Adobe printables if you need assistance with how to use this document.

Related Articles

Writing Tips for a Payment Request Letter

While you are free to adjust the information in the template however you see fit, it's important to use an appropriate tone and be sure that the document is professionally formatted.

Use an Appropriate Tone

When sending a letter to a client or customer requesting payment, it's essential to communicate your point as clearly as possible while maintaining a positive, professional tone. Don't send a first or second request that is so negative the client feels attacked.

If the tone is too harsh, the client may feel there is no point in trying to continue a relationship with your business. When that happens, there's a risk the client will choose not to pay the bill, since he or she is not concerned with preserving the relationship.

Use Professional Formatting

Use company letterhead and formal block style, the standard business letter format, if you are sending a payment request letter by mail or fax. Depending on your company's correspondence procedures, it may also be acceptable for you to transmit the letter via email. If so, it's better to include the letter in the body of the email message rather than as an attachment file. It is not necessary to create a letterhead template for an email message, but you should close the communication with your official company email signature.

Following Up

If you send a payment request letter on a past due account and you do not hear back from the recipient within 30 days, it's advisable to place a follow-up phone call. As with the letter, it's appropriate to maintain a positive tone.

Attempt to speak directly to the person responsible for paying the bill and confirm receipt of the letter. If you are able to talk with the responsible party, offer to process credit card payment via telephone if it is possible to do so. If not, ask when you can expect to receive payment. Make a note of the date and follow up accordingly.

Additional Actions for Collection

If payment is not received as agreed upon, you'll need to escalate the account to the next step in your company's procedure for managing delinquent accounts. If the bill remains unpaid for an extended period of time, the tone of future collections letters will need to be firmer, eventually being turned over to a collection agency only when necessary.

While there are certainly circumstances under which final collections actions need to be taken, it is not advisable to do so until you have exhausted every possible avenue of resolving the late payment amicably. Until you are actually ready to send the account to collections or take legal action, do not mention such actions in payment request correspondence with people or businesses whose accounts are past due.

WATCH THE VIDEO ON THEME: How to write a Settlement Agreement Letter.

Do you need to write a request payment letter? While contacting clients and asking them to pay bills are past due is unpleasant, it is something people who.

letter to debtor requesting payment
Written by Mazur
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