A legal demand letter is often the first formal step before court action. It must include:
- *Full debtor & creditor details
- *Clear debt breakdown (principal, interest, penalties)
- *Reference to original agreement
- *14-day notice to pay or respond
- *Issuer’s physical address and license number
Our legal team drafts court-admissible notices that comply with the Fair Debt Collection Act (draft, 2024).