Write a professional debt collection letter in 2 minutes. No signup, no lawyer needed — just fill in the details and copy.
Fill in your information — takes about 2 minutes
Ready to copy, print, or send via certified mail
Fill in the details on the left and click "Generate My Demand Letter"
The free generator covers the basics. But if you're dealing with a business that owes you money, the Legal Letter Kit gives you the complete arsenal:
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A well-sent demand letter recovers most debts without going to court
Fill in your details, generate the letter, and review it carefully. Make sure all names, amounts, and dates are correct.
Print on plain white paper or use letterhead if you have one. Sign in blue or black ink below the closing.
Send via USPS Certified Mail with Return Receipt. This costs ~$4 and creates court-admissible proof of delivery.
Save a PDF copy and your certified mail receipt. If they ignore the letter, these documents support your small claims case.
No. Anyone can write and send a demand letter. You don't need an attorney. However, a lawyer's letterhead can add credibility for large amounts. A well-written demand letter from you directly is effective for most debts under $10,000.
Your next options: (1) File in small claims court — most states allow amounts up to $5,000-$10,000 with no attorney required, (2) Hire a debt collection attorney on contingency, or (3) Report to credit bureaus for business debts. The demand letter creates a paper trail proving good-faith effort.
Standard demand letters give 14-30 days. For urgent matters, 7 days is acceptable. Always specify a clear deadline — courts view reasonable timeframes favorably.
Yes. Send via USPS Certified Mail with Return Receipt Requested (~$4 extra). This creates court-admissible proof of delivery. Keep the green card (or electronic confirmation) with your copy of the letter.
You can email a copy, but certified mail is legally stronger. For best results, send both: email the same day for speed, and certified mail as your official record. Request read receipt on the email.