If you ever need to prove that a debt is fully paid and can no longer be collected, then a paidinfull letter can be your best friend. How to Write a Final Demand Letter (5 steps).Have you recently settled a debt and are searching for a paid in full letter? Good news, we've got two free sample form letters below. Are you looking for a loan agreement form in Arizona? Download our free Arizona Loan Agreement Form which is available as PDF or Word documents. Demand Letter is used to request a debtor to settle payments. If you've stopped paying your creditors for unpaid debts, they will likely report your account as a charge-off after four to six months of non-payment. BILL ALREADY PAID IN FULL Please do NOT let this letter go over your head. This guidance provides the requirements for participating in the State Loan.