Free Demand Letter for PaymentChoose a reminder, a demand or a final demand, list what is owed and when to pay by, then print it or save it as a PDF. No sign-up, and nothing you type is uploaded.

Basics

Type of letter

Country

Currency

Paper

Who owes the money

Name of the person or business

Their address

What the money is for (opt.)

Printed as the “Re:” line.

You (the person owed)

Name

Address

Phone (opt.)

Email (opt.)

What is owed

One line for each invoice or amount, with the date it was due.

Up to 6 lines

Add interest or a late fee only if your agreement allows it.

Payments already received (opt.)

Dates and payment

Date of the letter

Please pay by

Leave “Please pay by” empty to write the date in by hand.

How to pay (opt.)

Who to pay, the ways you accept, and where and when.

Signature (optional)

Title under your name

Sign here, or print it and sign in ink.

Record of delivery

Print a record of delivery at the foot of the page: how and when the letter was delivered, for your own copy.

Tick the ways you will use, or leave them empty and tick by hand. You can also tick them on the page.

Handed to them Left at their address First-class mail Certified mail Email or text message

Wording: change the title, paragraphs and labels

Each box shows the words printed now. Rewrite any of them; an empty box goes back to the standard wording. You can also click any text on the page to rewrite it.

Finished? Print or save your letter

Print two copies: one to send, one for your records. Certified mail gives you proof it was delivered.

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Preview

Click any text on the page to edit it.

Whole page · the printed page has no watermark or logo.

Examples3 layouts filled in with made-up details. Open one to start with that layout, or print a blank template to fill in by hand.

Demand letter template in the Letter layout, filled in with sample details

Default layout LetterA plain business letter with your details at the top. Start with this layoutOpen

Demand letter template in the Notice layout, filled in with sample details

Layout NoticeFramed title, ruled boxes, and the total and deadline in large type. Start with this layoutOpen

Demand letter template in the Simple layout, filled in with sample details

Layout SimpleClean and light: the details as label and value rows, little ink. Start with this layoutOpen

Prefer to fill it in by hand? Print a blank template and write on it.

Related tools

Notice: Generated via SnapPaperwork. For money that is really owed to you. Do not use it to demand money that is not owed, to threaten anyone, or to make a letter look like it comes from a court, a lawyer or a collection agency.

Something missing? Tell me what you need.

How to write a demand letter in 3 steps

Choose how firm to be

A friendly reminder first, then a demand for payment, then a final demand that says you may take further steps, such as small claims court.
List what is owed

Each invoice or amount with the date it was due, any part payments already made, and a date to pay by. Say how to pay.
Send it and keep a record

Sign it, send it by a way you can prove (certified mail, or email with a reply), and fill in the record of delivery on your copy.

What a demand letter should include

Who owes the money and what it is for: the invoice numbers, the work or the loan
Each amount and when it was due, any payments already made, and the total
A clear date to pay by, usually 10 to 30 days from the letter
How to pay: bank transfer, check, an online link
What you will do if it is not paid, stated calmly and only if you mean it

Tips

Stay polite and stick to the facts. The letter may be read later by a judge or a mediator.
Keep copies of the invoices, the agreement, emails and this letter with its record of delivery.
Offer a way to talk: many people pay once they can spread it out. A payment plan can help.
Never threaten anything you cannot or will not do, and never contact the person’s employer, family or friends about the debt.

If it is still not paid

Many people next file a claim in their local small claims court, which is meant to be used without a lawyer. Courts often ask whether you asked for payment first; a dated letter and a record of delivery show that you did. Each court has its own limits and rules, so check its website before you file. If you collect debts for other people, debt collection laws apply to you.

This page is general information, not legal advice. Rules on collecting debts and small claims courts differ from place to place.

Frequently asked questions

Is this demand letter free?

Yes. It is free to use, needs no account or sign-up, and never adds a watermark or a SnapPaperwork logo to your letter.

What is the difference between the three kinds?

The reminder is gentle and assumes a mistake; the demand clearly asks for payment by a date; the final demand says you may take further steps, which can include small claims court. Each changes only the title and two paragraphs, and you can rewrite them.

How long should I give them to pay?

Long enough to be fair, usually 10 to 30 days. Check whether your agreement or invoice already sets payment terms.

How should I send it?

Use a way you can prove: certified mail with a return receipt, a courier, or email if that is how you usually deal with them. Fill in the record of delivery on your own copy.

Can I add interest or a late fee?

Only if your agreement or invoice terms allow it, and within the limits that apply where you are. Add it as its own line so it is clear.

Is my information uploaded or stored on your servers?

No. Everything you type stays in your browser and is never sent to me. It is saved on your own device so it is there next time.