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Demand Letter for Unpaid Debt

A final written demand before filing a small claims case against a non-paying borrower. All documents are completely free for now — download without paying.
Template reviewed by a lawyer, current as of July 2026.

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Demand Letter for Unpaid Debt

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Lawyer's note. A written demand puts the debtor in default (Civil Code Art. 1169) and is required before filing small claims. If you and the debtor live in the same city or municipality, barangay conciliation may be required first.

How to use this document correctly

Frequently asked questions

How do small claims work?

You file a simple verified form with supporting documents at the first-level court; lawyers do not appear, hearings are fast, and judgment is immediately final. Money claims from loans qualify.

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