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Collection Agency Demand Letter

Collection Agency Demand Letter Generator for Germany

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Key Requirements PROMPT example:

Collection Agency Demand Letter

"I need a Collection Agency Demand Letter in German jurisdiction for recovering an unpaid B2B software license fee of €25,000, with the debt being overdue since January 2025, including options for installment payments and specific reference to late payment interest under German commercial law."

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Document background
The Collection Agency Demand Letter is a crucial document in the German debt collection process, typically used when initial attempts to collect a debt have been unsuccessful. It represents a formal step in the debt collection procedure, issued by authorized collection agencies registered under the German Legal Services Act. The letter serves as an official demand for payment before potential legal proceedings are initiated. It must contain specific information required by German law, including the original debt details, current balance with interest calculations, payment instructions, and mandatory consumer rights notifications. The document is subject to strict regulatory requirements under German debt collection laws, consumer protection regulations, and data privacy laws, including GDPR compliance. Collection agencies must ensure the letter maintains a professional tone while clearly communicating the serious nature of the demand and potential consequences of non-payment.
Suggested Sections

1. Sender Details: Collection agency's complete contact information, registration number, and authorized representative

2. Recipient Details: Debtor's full name and address, including any reference numbers

3. Date and Reference: Current date and all relevant reference numbers (client reference, case number, etc.)

4. Subject Line: Clear indication that this is a collection notice (Mahnung/Zahlungsaufforderung)

5. Debt Details: Original creditor information, original debt amount, date of default, current balance including interest and fees

6. Legal Authority: Statement of legal authority to collect the debt and representation of the original creditor

7. Payment Demand: Clear statement of amount due, payment deadline, and acceptable payment methods

8. Consequences of Non-Payment: Legal implications and additional costs that may arise from non-payment

9. Payment Instructions: Detailed banking information and payment reference details

10. Legal Notices: Mandatory consumer rights information and data protection notices as required by German law

Optional Sections

1. Previous Communication Reference: Include when there has been prior correspondence about the debt

2. Installment Option: Include when offering payment plan possibilities to the debtor

3. Dispute Rights: Detailed section about dispute rights when dealing with consumer debtors

4. Power of Attorney: Include when specific authorization from the original creditor needs to be demonstrated

5. Interest Calculation: Detailed breakdown of interest calculations when significant interest has accrued

6. Settlement Offer: Include when authorized to offer a settlement amount less than the full balance

Suggested Schedules

1. Statement of Account: Detailed breakdown of the debt, including original amount, interest, fees, and payments received

2. Original Contract: Copy of the original agreement or invoice that led to the debt

3. Power of Attorney Document: Documentation proving the collection agency's authority to act on behalf of the creditor

4. Payment History: Record of any previous payments or payment attempts

5. Interest Calculation Sheet: Detailed calculation of applied interest rates and amounts

Authors

Alex Denne

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

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant Industries

Financial Services

Banking

Retail

Telecommunications

Utilities

Healthcare

Insurance

E-commerce

Professional Services

Real Estate

Manufacturing

Education

Transportation

Hospitality

Relevant Teams

Legal

Finance

Collections

Accounts Receivable

Risk Management

Compliance

Customer Service

Operations

Treasury

Credit Control

Relevant Roles

Collections Manager

Credit Controller

Accounts Receivable Manager

Legal Counsel

Compliance Officer

Finance Director

Credit Risk Manager

Debt Recovery Specialist

Financial Controller

Operations Manager

Customer Service Manager

Legal Collections Specialist

Treasury Manager

Chief Financial Officer

Risk Management Director

Industries
Rechtsdienstleistungsgesetz (RDG): Legal Services Act - Regulates who may provide legal collection services and under what conditions. Collection agencies must be registered and authorized.
Bürgerliches Gesetzbuch (BGB) §§ 286-288: German Civil Code sections on default, interest rates, and late payment regulations that must be referenced in collection letters
Einführungsgesetz zum Bürgerlichen Gesetzbuche (EGBGB) Art. 246: Introductory Act to the Civil Code - Contains information requirements for debt collection letters to consumers
Bundesdatenschutzgesetz (BDSG): Federal Data Protection Act - Regulates how personal data must be handled in debt collection processes
EU-DSGVO (GDPR): General Data Protection Regulation - European privacy law that applies to processing personal data in collection processes
Gesetz gegen unlauteren Wettbewerb (UWG): Unfair Competition Act - Prohibits aggressive or misleading collection practices
Gerichtskostengesetz (GKG): Court Fees Act - Relevant for stating potential legal costs in case of court proceedings
Rechtsanwaltsvergütungsgesetz (RVG): Lawyers' Compensation Act - Regulates fees that can be charged for legal collection services
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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