Final Demand Letter [Free Samples]

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A letter delivered in an attempt to recover a debt or repayment is known as a final demand letter. A collector or financial institution sends the letter before taking legal action against a debtor. 

Learn how to compose a final demand letter. Use our final demand letters as a model for your own demand letter.

Sample 1 - final demand letter

Lender’s Name
Lender’s Address
Lender’s phone number
Lender’s email address


Recipient’s Name
Recipient’s Address

Dear Mr/Ms Recipient’s Name,

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This letter is in reference to a $5,000 loan that I gave you on June 4, 20xx for the down payment on your new car. We promised at the time that the loan would be paid off in full by December 4, 20xx. 

You have not made any payments toward this debt as of today, December 4, 20xx. It’s been a year since the loan was due to be fully returned. I request that you reimburse the entire sum as soon as you receive this message.

If I do not receive full payment by the end of the year, I reserve the right to pursue additional legal action to recover the loan amount without further notice to you. This letter could be used as evidence in court if you don’t pay. 

If it becomes necessary to go to court, I will expect you to pay the applicable interest, filing and attorney’s fees, as well as any other costs associated with the case. If you phone me at [555-222-1234], I will be pleased to answer any queries you may have.

Your immediate attention to this matter will be appreciated.


Lender’s Name

List any attachment

Sample 2 - final demand letter

Your Full Name
Your House Number
The city, state, and ZIP code are all required fields.


Name of the Employer
City, State, and ZIP Code of Employer’s Street Address

Dear [Name of Employer],

[Your First Name], This letter is in response to my [employment or contract] ending or being terminated on [date]. 

Wages in the amount of [amount] are payable to me as of this date. I require that payment be made in full within five business days after receipt of this letter.

You may be obliged to pay a penalty in the form of additional monies as well as legal fees if necessary. 

You are compelled by law to pay me the amount you feel is owing to me if you believe the amount owed to me is different from the amount described. 

The payment should indicate the reason for the amount paid. Please submit the payment to the following address [address] for my attention.


[Your Full Name]
[Your Title]

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