Demand Letter
A formal demand for payment sent before filing suit. The letter sets out the agreement or event the claim arises from, the amount owed and how it is calculated, any interest claimed, the payment deadline, and what happens if the deadline passes. Courts and judges expect to see one: a documented demand shows the defendant had a chance to pay, and in several states a pre-suit demand is a statutory prerequisite to consumer-protection damages (Massachusetts Gen. Laws c. 93A, § 9(3) — 30 days; Texas Bus. & Com. Code § 17.505 — 60 days). Handles unpaid invoices, personal loans, breach of a written or oral contract, property damage and unreturned deposits, with an optional settlement offer and a reservation of rights. Limitation periods, small-claims ceilings and interest rates vary by state, so the letter asserts the claim in terms that hold everywhere and the wizard flags what to check for yours.
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What you'll be asked
01Parties
Your full name · Are you claiming as an individual or a business? · Business name · Your mailing address · Name of the person or business who owes you · Their mailing address · State whose law applies · Is this debt owed to you, or are you collecting it for someone else?
02The Claim
What is the claim based on? · Date the money fell due (or the date of the damage) · Amount you are claiming (USD) · What happened, in your own words · Documents you can produce (optional) · Have you already asked for payment in writing? · When, and what was the response?
03Interest & Settlement
Are you claiming interest? · Rate stated in the agreement (% per year) · Are you open to a settlement?
04Demand & Delivery
Date of this letter · Days you are giving them to pay · How should payment be made? · What will you do if they do not pay? · How will you send this letter?
Frequently asked questions
Is this Demand Letter valid under U.S. law?
Yes. This document is drafted for U.S. law and adapts to your situation from your answers. It is still a template — for anything high-stakes, have it checked by a qualified professional.
Do I need a lawyer or an account?
No. Answer 23 guided questions, pay once, and download instantly. No account, no subscription.
How long does it take?
About 5 minutes. The questionnaire has 23 questions and the document is assembled as you go.
What formats do I get?
PDF and Word (.docx), downloadable immediately after payment.
Can I edit it afterwards?
Yes. The Word file is fully editable, and you can re-run the questionnaire to generate a new version.