4 Things To Keep In Mind While Drafting Letter For Debt Collection

In the process of debt recovery, every step counts. It is necessary that you approach the task in a complete professional and methodical way so that you get the higher chances of success. No matter what is the size of your business, big or small, whether you are maintaining a team of debt collectors in-house or if you are thinking of hiring an agency, it is necessary for you to master the art of writing the recovery letter. In fact, even when you are taking the initial step for recovering the money, you must make sure you are aware of the ways to write the letter.

There are many tools and resources that we generally use for recovering the debt. The letter is one of the most effective ones amongst them all. Now, when it comes to drafting one, from debt collection services to business owners, everyone ends up making some mistakes that affect the effectiveness. That is why here we have put together a few points for you to help so that you can take care of them while drafting the letter. Take a look at the following points to know more.

Tone and Intent:

When you are drafting the letter, you must take care of the tone and intent that you have expressed in it. You must not sound too forceful but need to make your point clear as precisely as you can. Mention the dates when the client was supposed to pay you and when was the last time they didn’t receive the call or failed to give any intimation. Mention a tentative period of time when you need your payment back. Also, give the debtor the impression that you are open for any kind of negotiation and settlement. The tone of the letter should be crisp and professional. A reputed and experienced business collection agency can help you with this.


The frequency of the demand letter should be logical when you are planning to get the money back from the debtor really quick and without much of some legal complication. You must take care that the letters get dispatched after a reasonable gap. Too less frequency between demand letters can make the whole thing look quite forceful. And a well-informed debtor can take advantage of the situation by suing you for harassing him or her.

Following Up:

Yes, a demand letter is a pretty effective tool. But that is surely not enough. When it comes to sending a letter, there are always chances of not accepting it or even ignoring it. That is why when you or the collection agency services you are hiring are sending the letter, don’t ignore to follow up with a call. This will help you to make sure that the debtor remains in no position to ignore it.


When you are sending out the demand letter, make sure that you or the agency you are hiring is documenting it. Otherwise, it can become really difficult for you to go on with it when it is time for filing litigation and seeking legal assistance.

So, now as you know about these important things about drafting a letter of demand, what are you waiting for? Draft now and take a step forward to recover the debt.

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