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What is a 90-Day Past Due Letter?

Someone owes you money, and you've tried to collect it, but it's been a long time: 90 days. At this point you can demand payment with a 90-Day Past Due Letter. This is likely the third and final notice about the late and unpaid amount you're owed. Usually, the next step is starting a legal proceeding to collect the money due. 
A 90-Day Past Due Letter is a good way for you to protect yourself and keep everything fair and legal if someone has owed you money for a while. This is especially important if it's been more than three months and you decide to take legal action. A 90-Day Past Due Letter informs the person that legal action may be taken against them if the past due amount is not paid. It warns the debtor that this is final notice for the money owed. It also warns them that legal action could hurt their credit rating. Sending this letter will help establish a record if you decide to go to court to collect the money that's due. It's a record of how many times you've asked for payment from the debtor and the amount that's due. This letter can serve as proof that you requested the money owed and that the debtor didn't pay it. 
Someone owes you money, and you've tried to collect it, but it's been a long time: 90 days. At this point you can demand payment with a 90-Day Past Due Letter.

When to use a 90-Day Past Due Letter:

  • You're issuing final notice to a debtor about a past due amount.
  • You're warning a person that you may take legal action if the past due amount is not paid.
  • You want to record the fact that you asked the debtor to pay you before you took legal action.

Sample 90-Day Past Due Letter

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The purpose of this letter is to further demand payment of money owed regarding your


On and you were mailed letters reminding you of your obligation and demanding that you send payment on this overdue obligation. As of , as stated in that letter, the total balance due was . According to records, this obligation continues to remain unpaid.


As of the total amount still owed is plus in accrued interest in late charges. Please send payment immediately.



we I legal action to enforce your obligations this account be turned over to our my for collection. This can result in additional costs of collection that you may be required to pay. Collection proceedings may also hurt your credit rating.


You are advised to give this matter your immediate attention.


You may contact if you have any questions or need additional information. I We or I We






and and

_____ should sign the letter.

_____ should sign this letter on behalf of .

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