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Dunning Letter Debt Collection

Dunning Letter Debt Collection Template for India

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Dunning Letter Debt Collection

"I need a Dunning Letter Debt Collection document for an outstanding B2B debt of INR 2,500,000 covering three unpaid invoices from January 2025, with a final payment deadline of March 15, 2025, and including the option for an installment payment plan."

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Document background
A Dunning Letter Debt Collection document is a crucial instrument in the Indian debt recovery process, used when payment for goods, services, or loans becomes overdue. This document type is particularly relevant in the Indian jurisdiction, where it must comply with various regulations including the Recovery of Debts Due to Banks and Financial Institutions Act, 1993, and the Limitation Act, 1963. The letter serves as both a payment reminder and a formal demand, typically sent after payment deadlines have passed but before initiating legal proceedings. It includes essential information such as debt details, payment history, accumulated interest, and payment instructions, while maintaining compliance with Indian debt collection practices and regulations. The document can be used in various contexts, from simple payment reminders to final notices before legal action, and plays a crucial role in establishing a paper trail for potential legal proceedings in Indian courts.
Suggested Sections

1. Sender Details: Complete business name, address, and contact information of the creditor or collection agency

2. Date: Current date of the letter

3. Recipient Details: Debtor's full name, address, and any relevant account numbers

4. Subject Line: Clear indication that this is a payment demand notice with reference numbers

5. Debt Information: Specific details about the original debt, including date incurred and original amount

6. Current Amount Due: Clear statement of the total amount due, including any interest and late fees

7. Payment Demand: Formal demand for payment with specific deadline

8. Payment Instructions: Clear instructions on how and where to make the payment

9. Legal Notice: Statement about legal obligations and consequences of non-payment

10. Contact Information: How the debtor can contact you to discuss the debt or arrange payment

Optional Sections

1. Previous Communication Reference: Reference to prior payment requests or communications, used in follow-up dunning letters

2. Payment Plan Options: Include when willing to offer installment payments or settlement options

3. Dispute Rights: Information about the debtor's right to dispute the debt, especially important for consumer debts

4. Good Faith Statement: Statement acknowledging possible financial hardship, used when maintaining customer relationships is important

5. Urgency Notice: Additional emphasis on urgency for severely overdue accounts, used in final notices

6. Legal Proceedings Warning: Specific mention of potential legal action, used in final notices before legal proceedings

Suggested Schedules

1. Statement of Account: Detailed breakdown of the original debt, payments received, interest charges, and current balance

2. Payment History: Record of all previous payments and attempts to collect

3. Original Invoice(s): Copies of original invoices or agreements that established the debt

4. Interest Calculation: Detailed calculation of interest charges and late fees

5. Communication Log: Summary of previous collection attempts and communications

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions
























Clauses




















Relevant Industries

Banking and Financial Services

Manufacturing

Retail

Healthcare

Professional Services

Technology

Construction

Real Estate

Education

Telecommunications

Wholesale Trade

Transportation and Logistics

Relevant Teams

Legal

Finance

Accounts Receivable

Credit Control

Collections

Treasury

Risk Management

Customer Relations

Compliance

Operations

Relevant Roles

Credit Controller

Accounts Receivable Manager

Collections Manager

Financial Manager

Credit Risk Officer

Debt Recovery Specialist

Legal Counsel

Finance Director

Credit Analysis Manager

Accounts Manager

Treasury Manager

Corporate Collections Specialist

Industries









Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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