Canada Demand Letter for Debt Collection

Template

[Your Name]
[Your Address]
[Date]

[Debtor Name]
[Debtor Address]

Re: Outstanding debt of [Amount Owed]

Dear [Debtor Name],

This letter demands payment of [Amount Owed] owed under [basis of debt, e.g., the loan of [Date] / the invoice [Invoice #]]. The amount has been overdue since [Due Date].

Please pay the full [Amount Owed] by [Final Date]. If you dispute the debt, notify me in writing with your reasons by that date. Absent payment or a dispute, I will consider further steps, including [court action / reporting to a credit agency] where lawful.

Sincerely,
[Your Name]

What to fill in

The exact amount and why it is owed
The original loan or invoice date
A firm but reasonable deadline
Any evidence you will rely on

Jurisdiction note (CA)

Canada — a "Letter of Demand" should name the amount, facts, and a deadline. Provincial rules vary (e.g., Ontario’s Superior Court or the small claims division); some require specific demand wording before suing.

Legal note

Do not use threatening, misleading, or repeated-harassment language. The US Fair Debt Collection Practices Act (FDCPA) restricts third-party collectors; if you are the original creditor you have more latitude, but abusive tactics are never advisable.

Templates reviewed by the DemandKit editorial team; not a law firm — see disclaimer.