Debt Letter, Sample & Format

Debt LetterA debt letter is normally written by the financial agency to remind its customer of his/her outstanding loan repayment. The financial agency may exercise courtesy in reminding its client with a first reminder debt letter before moving on to second and third reminders. All of which failing, the financial agency may opt to adopt harsher actions such as legal action against the debtor.


Jacques Wellington

Debt Officer

Middleton First Bank

1208 Juniper Drive
Winn, MI 48896

March 20, 2010


Christine R. Franco

2481 Junkins Avenue
Albany, GA 31701
Dear Ms. Franco

RE: Debt repayment reminder

On behalf of Middleton First Bank, I would like to draw your attention to the overdrawn amount on your current account. Perhaps you have been too busy to note the insufficient funds in your current account before you withdrew on an overdraft.

As such, it is already a month that the amount of $500 is outstanding and you are required to top up the balance before the end of this month.

If you have already made the payment, kindly ignore this reminder, and I thank you for your prompt settlement on behalf of the bank. However, if you have been too busy to settle the payment, kindly do so before further actions are taken against you.

Thank you for your transactions with Middleton First Bank.


Jacques Wellington


Debt Officer

Middleton First Bank


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