Self-help templates
Payment Reminder and Demand Letter
For asking for money you are owed, first as a reminder and then as a final demand: amount, deadline, how to pay, what happens next.
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Licence: this document is for your personal use only. You may not resell, share, copy or republish it, or use its content, without the written permission of TheLawToKnow.
How to use it
- When: someone owes you money (an unpaid invoice, a loan, a deposit) and you want to ask for payment in writing, first as a reminder and then, if needed, as a final demand with a deadline.
- Who signs: the creditor, or someone authorised to act for them. Send it by a method you can prove: e-mail with read receipt, registered post or courier.
- Fill in everything in [square brackets] and cross out options that do not apply. Use the exact amount, the date it was due and the invoice or agreement number.
- Keep the tone firm and polite. State the facts, the amount, the deadline and what you will do next. Do not threaten anything you cannot lawfully do.
- Attach proof: a copy of the invoice, agreement, messages or bank records showing the debt.
- Tip: keep a copy of the letter and proof of when and how it was sent. If the amount is large, ask a lawyer to check the letter before you send the final demand.
What is inside
- Art. 1. The sender (creditor)
- Art. 2. The recipient (debtor)
- Art. 3. What is owed
- Art. 4. Earlier contact
- Art. 5. Demand and deadline
- Art. 6. How to pay
- Art. 7. If you do not pay
- Art. 8. If you disagree or have already paid
- Notes on the clauses and a checklist of what to check under your country's law
What these templates are not
- They are self-help templates, not legal advice, and they do not replace a lawyer.
- Laws differ from country to country, and some rules cannot be changed by contract. Each template ends with a checklist of what to check where you live.
- For a high-value or unusual situation, ask a local lawyer or notary to look at the final text.
TheLawToKnow Tools. Self-help template. Not legal advice. Check the law currently in force. Written with the help of AI tools and reviewed by a lawyer-author.