Letters of Demand

What is a Letter of Demand?

A Letter of Demand is a formal way of requesting the debtor to pay up money which is owed to you or your business. 

This is an effective tool, as it is considered to be one of the final steps a creditor takes before suing the debtor in court. You are not compelled to go to court if the debtor does not respond to your letter of demand. But it is an option which the creditor can pursue if if it so chooses.


It is not in the interest of the debtor to increase its existing debt owed to you, cause if you sue in court, the debtor in all likelihood will be liable to pay you certain legal cost incurred by you for pursuing the matter in court. 


You have up to 6 years as per the Statute of Limitations to initiate legal action to recover a debt. But we strongly recommend that you do not wait that long to initiate any action, cause a lot might change over 6 years, e.g. the debtor might even have closed its business or left town, etc. All these scenarios make it very difficult to recover a debt. 

Should I use a Letter of Demand? 

 There are different reasons why you should use a letter of demand. For example:

1. You need to recover a debt; 

2. You have already asked a few times and there has been no response; or 

3. You want to initiate court proceedings cause you have already asked and the debt remains unpaid. 

Information Required

The templates we offer needs some basic information from you before you can use it. Therefore we have provided specific instructions within the template, to help you understand and insert the details into the template.

It would only take about 15 minutes for you to finalise the template. 


Please note, that in the letters of demand provided below, you can if required, modify any of the letters to suit your specific circumstances as we have provided with you the necessary instructions. For example, whether you are requesting for the first or the last time for a debt to be repaid, there are instructions provided within the letter to help you finalise it.  

Please choose the template which suits your specific circumstances. 

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