Someone owes you money? Send a proper Demand Letter — the formal step that gets most debts paid before it goes to collections or court. PaperKit describes the debt (an unpaid invoice, a loan or promissory note, a breach of contract, or any obligation), itemizes the principal and an optional late fee, and — if you turn on interest — computes the accrued interest (annual rate × days overdue) and a daily per-diem, totalling the amount now due for you. Pick how firm it is: a friendly reminder, a formal demand for payment, or a firm final notice that spells out the collections and legal consequences of non-payment. Optionally reserve your right to recover collection costs and attorney fees. Hosted online with a certificate of service where the debtor can e-acknowledge receipt (proof of service). Clean PDF.
The type changes the title and the urgency of the consequences — a courteous reminder, a formal demand for payment, or a firm final notice before the matter goes to collections or counsel — without changing the amounts.
A real, formal demand for payment — with a basis-driven description of the debt, an itemized principal + interest + late-fee breakdown totalled for you, an optional per-diem, the pay-by date and a certificate of service. Publish to get a hosted link where the debtor can e-acknowledge receipt (proof of service).
$9/mo — remove the DRAFT watermark + “Made with PaperKit” badge, unlimited clean-PDF demand letters, and Pro across every tool.
Generated letters are templates for convenience, not legal advice, and PaperKit is not a law firm. Debt-collection demands are regulated: if you are a third-party debt collector, the federal Fair Debt Collection Practices Act (FDCPA) and state law impose required disclosures and conduct rules, and interest/late-fee limits vary by state and by your agreement. Review the letter and consult a qualified attorney before sending it.