Demand payment of an unpaid invoice or direct debt

Turn the invoice, due date, credits, payment history, and unpaid balance into a clear business letter. This fact-based letter does not insert a state statute or collection-law threat. It is available only to the person or business directly owed the money.

Professional business-letter structure · Clear balance and due-date record · Attachment list · Created in your browser

What should an unpaid invoice demand include?

Identify the invoice or agreement, what was provided, the original amount, credits or payments, the remaining balance, and a concrete response date. Attach the invoice and relevant correspondence when available. The letter should state the account facts directly without threatening criminal action, credit reporting, public exposure, or a legal remedy the sender cannot genuinely pursue.

Does this letter cite state debt-collection law?

No. This flow is for an original creditor collecting money owed directly to that person or business. The generated letter uses the entered account facts and does not add state-specific debt-collection citations. A user collecting for someone else is declined because third-party collection can trigger federal and state requirements outside this product.

How much should I demand?

Demand the supported unpaid principal after subtracting credits and payments. The generator does not calculate interest, late fees, attorney fees, court costs, collection costs, or statutory multipliers. A contractually supported amount can be described in the factual record only when the user enters and verifies it; the product does not decide enforceability.

Is the PDF court approved?

No. The PDF uses a formal, organized layout that can preserve the account facts and delivery record commonly useful before a civil filing. It is not court approved, does not guarantee admissibility, and does not start a lawsuit. Check the official court website for the applicable forms, limits, filing rules, and service requirements.

Create an unpaid invoice demand letter

Before you start

Type of demand letter *

Preselected on a sub-type page.

State or District of Columbia *

Choose the state connected most closely to the claim. The tool does not decide conflicts of law.

Are you the person or business that is owed this money directly? *

Yes No

FDCPA screen.

Your information and the demand

Your legal name *

Use the name the recipient will recognize.

Business name

Show only when the sender is a business or uses a trade name.

Mailing address *

This is the return address printed on the letter.

Apartment, suite, or unit

Omit the line when blank.

City *

State *

May differ from claim jurisdiction.

ZIP code *

Included only when the user elects to print it.

Phone

Included only when the user elects to print it.

Recipient contact name

Leave blank only when the contact person is unknown and a recipient business name is entered; this activates “To whom it may concern:”.

Recipient business

Omit when blank or duplicate of the contact name.

Recipient mailing address *

Use the address where the recipient is most likely to receive formal mail.

Suite, unit, or department

Omit when blank.

City *

State *

ZIP code *

Letter date *

The printed date is not proof of delivery.

Reference or account number

Invoice, lease, employee, order, or claim reference.

Amount you are demanding now

Principal or user-supported loss only. Do not automatically add statutory penalties, fees, costs, interest, or punitive damages.

Performance or cure demanded

State exactly what the recipient should do.

What happened? *

Give dates, promises, work, goods, payments, and the problem. State facts, not threats or insults.

Previous attempts to resolve this

Include dates and the recipient’s response, if any.

Requested response date *

This is the sender’s requested settlement date only. It does not start, shorten, extend, or replace a statutory clock.

Where or how should payment or performance be sent?

Omit the paragraph when blank.

Documents enclosed

Examples: lease, invoice, photos, estimate, pay stub, correspondence. Do not claim an attachment is enclosed unless selected.

Name under signature line *

Printed name under the signature line. Defaults to sender name.

Demand payment of an unpaid invoice or direct debt

What should an unpaid invoice demand include?

Does this letter cite state debt-collection law?

How much should I demand?

Is the PDF court approved?

Create an unpaid invoice demand letter

Before you start

Your information and the demand

Unpaid invoice or debt details