The Debt Collection Letter is a crucial document used in the United Arab Emirates when seeking to recover outstanding payments from debtors. It serves as a formal demand for payment and is often a prerequisite before initiating legal proceedings in UAE courts. The document must comply with UAE Federal Law No. 5 of 1985 (Civil Code) and UAE Federal Law No. 18 of 1993 (Commercial Transactions Law), containing specific details about the debt, payment terms, and consequences of non-payment. It's typically used after informal collection attempts have failed but before pursuing legal action, providing the debtor with a final opportunity to settle the outstanding amount. The letter should be drafted in a way that maintains professionalism while clearly stating the legal obligations and potential consequences, making it suitable for both commercial and individual debt collection scenarios in the UAE jurisdiction.
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1. Sender Details: Full legal name, address, and contact information of the creditor or collecting agency
2. Date and Reference: Current date and unique reference number for the debt collection matter
3. Recipient Details: Full legal name and address of the debtor, including any relevant registration numbers
4. Subject Line: Clear indication that this is a formal debt collection notice
5. Debt Details: Specific amount owed, original due date, and nature of the debt
6. Legal Basis: Reference to the underlying agreement or transaction creating the debt obligation
7. Payment Demand: Clear statement of the amount required and payment deadline
8. Payment Instructions: Detailed information on how and where to make the payment
9. Legal Consequences: Statement of potential legal actions if payment is not received
10. Closing and Signature: Formal closing, signature block, and authentication of the letter
1. Previous Communications: Reference to prior attempts to collect the debt, used when multiple notices have been sent
2. Partial Payments: Acknowledgment of any partial payments made, with remaining balance calculation
3. Interest Calculation: Breakdown of accrued interest, if applicable under the original agreement
4. Settlement Offer: Optional reduced payment offer with specific terms and deadline, if authorized
5. Multiple Defaults: List of multiple outstanding payments or defaults, if applicable
6. Power of Attorney: Reference to power of attorney if the letter is sent by a legal representative
1. Statement of Account: Detailed breakdown of the debt, including principal, interest, and any penalties
2. Original Agreement: Copy of the contract or agreement that established the debt obligation
3. Payment History: Record of all payments made and missed payments
4. Correspondence Log: Copies of previous payment requests and communications
5. Supporting Documents: Relevant invoices, bounced checks, or other proof of debt
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