Creditor Demand Letter

CREDITOR DEMAND LETTER

Date:   Creditor:   Creditor Address:

To: Debtor:   Debtor Address:

RECITALS

WHEREAS, Creditor represents that Debtor incurred an obligation identified as Account/Invoice No.: (the "Obligation") arising from goods sold or services rendered, which Obligation remains unpaid;

WHEREAS, as of the date of this letter the principal amount due is $ together with accrued interest, late charges, and allowable collection costs described below; and

WHEREAS, Creditor has made reasonable attempts to obtain payment and hereby issues this formal demand for immediate payment prior to commencement of formal collection proceedings.

NOW, THEREFORE

Creditor hereby demands that Debtor pay the total amount described in Section 1 below within the time specified. If Debtor fails to comply with this demand, Creditor expressly reserves all rights and remedies available at law or equity, including but not limited to suit for collection, recovery of costs, interest, attorneys' fees where permitted by contract or law, and any available security enforcement.

1. AMOUNT DUE

As of the date of this letter, the sums due and owing are as follows:

2. DEMAND FOR PAYMENT

Creditor demands payment in full of the total amount demanded no later than (the "Payment Deadline"). Payment must be made by certified check, wire transfer, or other instrument acceptable to Creditor to the account or address specified in Section 3.

3. PAYMENT INSTRUCTIONS

Make payment to: . Deliver to or remit via:

4. CONSEQUENCES OF NONPAYMENT

If Debtor fails to pay the Total amount demanded by the Payment Deadline, Creditor may, at Creditor's sole discretion, pursue one or more of the following remedies: commence litigation to obtain judgment; obtain pre- and post-judgment interest at the maximum lawful rate; seek recovery of reasonable attorneys' fees and costs; levy on available collateral or pursue any contractual remedies previously agreed between the parties. Debtor will be liable for all collection expenses incurred.

5. INTEREST AND COSTS

Interest shall accrue on the unpaid principal at the lesser of: (a) the contractual rate set forth in the parties' agreement; or (b) the maximum rate permitted by law. Creditor seeks reimbursement for reasonable costs of collection, including court costs and attorneys' fees where permitted by contract or statute.

6. SUPPORTING INFORMATION

Itemization or description of the underlying obligation, invoices, account history, or other relevant documentation is provided below or attached. If additional documentation is required, contact Creditor at the Notice Address in Section 7.

7. NOTICES

All notices, demands, or communications required or permitted under this demand shall be in writing and delivered to the addresses listed below by certified mail, return receipt requested, overnight courier, or personal delivery. Notice is effective upon receipt.

8. GOVERNING LAW

This Demand Letter and any dispute arising out of or relating to this Demand Letter shall be governed by and construed in accordance with the laws of the state of without regard to conflict of laws principles.

9. ENTIRE AGREEMENT

This Demand Letter constitutes the entire written demand from Creditor with respect to the subject matter hereof and supersedes all prior written or oral communications concerning the same. No statement, representation or promise not contained in this Demand Letter shall be binding upon Creditor.

10. SEVERABILITY

If any provision of this Demand Letter is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect to the maximum extent permitted by law.

11. AMENDMENT AND WAIVER

No amendment or waiver of any provision of this Demand Letter shall be effective unless in writing and signed by Creditor. No failure or delay by Creditor in exercising any right shall operate as a waiver of such right.

12. ACKNOWLEDGMENT

Debtor is advised to review this Demand Letter carefully. Debtor's signature below constitutes acknowledgment of receipt of this Demand Letter and notification that Debtor understands the contents herein. Such acknowledgment shall not be construed as a waiver of any defenses Debtor may possess, but Debtor's failure to timely cure may lead to legal enforcement actions as described above.

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