Free Demand for Payment Template

Dear Apex Digital Marketing Inc.,

This letter constitutes a formal demand for payment regarding an outstanding invoice (Reference No. ACCT-2025-4478) in the total amount of 8,925.00 USD. This amount was originally due and payable on December 15, 2025, and is now 95 days past due. Despite the passage of time, this obligation remains unsatisfied, and this letter serves as formal notice of your obligation to remit payment immediately.

BACKGROUND AND DESCRIPTION OF DEBT

The debt that is the subject of this demand arises from the following circumstances: Marketing consulting services rendered during Q4 2025 pursuant to the Professional Services Agreement dated October 1, 2025, including brand strategy development, SEO optimization audit, and digital advertising campaign management as detailed in Invoice #INV-2025-4478. You were provided with goods, services, or other valuable consideration as described above, and you have a binding legal obligation to pay for the same under basic contract principles, including the doctrine that performance becomes due when all conditions are satisfied (Restatement (Second) of Contracts § 235) and that material non-performance constitutes a breach giving rise to a right of action (Restatement (Second) of Contracts § 243). This obligation is supported by and evidenced through an outstanding invoice, with payment originally due on December 15, 2025. Despite the foregoing, you have failed and refused to make payment, and the full balance remains outstanding and overdue.

AMOUNT DUE SUMMARY

DEMAND FOR PAYMENT

You are hereby formally demanded to remit payment in the full amount of 8,925.00 USD no later than April 15, 2026. Payment shall be made via Check, wire transfer, ACH, or certified funds. Payment should be directed to Sterling Financial Services LLC at the address listed above. Please include your name and reference number (ACCT-2025-4478) with your payment to ensure proper crediting of your account.

INTEREST AND ADDITIONAL CHARGES

Please be advised that interest continues to accrue on the outstanding balance at the rate of 1.5% per month (18% per annum) until the debt is paid in full, subject to applicable state usury ceilings (see, e.g., N.Y. Penal Law § 190.40 [criminal usury]; Cal. Const. art. XV, § 1 [10% / Loan Law]; Tex. Fin. Code ch. 303 [judgment and contract rates]; Fla. Stat. § 687.03 [usury limits]). The total amount due will increase with each passing day that payment is not received. For commercial transactions, any statutory prompt-payment regime that applies (e.g., Cal. Civ. Code § 3287; N.Y. Gen. Bus. Law § 756 et seq.; Tex. Gov't Code ch. 2251) is expressly invoked. Additionally, you may be liable for all costs of collection, including but not limited to reasonable attorney's fees, court costs, filing fees, and service-of-process charges, to the extent permitted by applicable law and/or the underlying agreement between the parties.

CONSEQUENCES OF NON-PAYMENT

If full payment is not received by the deadline stated above, we will have no alternative but to pursue all available legal remedies, including but not limited to pursuing one or more of the following remedies: (a) referring this matter to a professional debt collection agency; (b) reporting this delinquent account to the major credit reporting agencies (Equifax, Experian, and TransUnion), which may negatively impact your credit score for up to seven years; (c) filing a civil lawsuit in the appropriate court of jurisdiction to recover the full amount owed, together with attorney's fees, court costs, pre-judgment and post-judgment interest, and all other costs of collection; and (d) pursuing any and all other legal remedies available under applicable law. Where the amount in controversy permits, such action may be filed in small-claims court under the jurisdictional limits of the applicable state (e.g., Cal. Code Civ. Proc. § 116.221 [$12,500 for natural persons]; N.Y. C.C.A. § 1801 [$10,000 in New York City]; Tex. Gov't Code § 27.031 [$20,000]; Fla. Sm. Cl. R. 7.010 [$8,000]); for amounts above those thresholds, a civil complaint will be filed in the court of general jurisdiction.

Please be further advised that should legal action become necessary, you may be held responsible for the payment of all costs associated with the collection of this debt, including reasonable attorney's fees, court costs, pre-judgment and post-judgment interest, and any other expenses incurred in the enforcement of your obligation. These additional costs could substantially increase the total amount you are required to pay.

Notice regarding the Fair Debt Collection Practices Act. If this letter is being sent on behalf of a third-party debt collector, please be advised that this is an attempt to collect a debt and any information obtained will be used for that purpose, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692-1692p, including the disclosure required by 15 U.S.C. § 1692e(11). Where this letter is being sent directly by the original creditor, the FDCPA does not apply.

RESERVATION OF RIGHTS

This demand letter is made without prejudice to any and all rights and remedies available to us under applicable law, all of which are hereby expressly reserved. Nothing in this letter shall be construed as a waiver of any rights, and we reserve the right to pursue all available legal remedies simultaneously or sequentially. The failure to mention any specific right or remedy in this letter shall not be deemed a waiver of that right or remedy. This demand is made pursuant to the laws of the State of California, and any legal action arising from this matter shall be governed by and construed in accordance with the laws of said state.

RECORD RETENTION

Please retain this letter for your records. This document constitutes formal written notice of your outstanding debt and our demand for payment. This letter may be presented as evidence in any subsequent legal proceedings. We also advise you to maintain records of any payments made, including dates, amounts, and method of payment, for your own protection.

We strongly urge you to give this matter your immediate and serious attention. Prompt payment will avoid the necessity of further action and additional costs to you. Please contact us immediately upon receipt of this letter to arrange for payment or to discuss this matter further.

SINCERELY,