In the opening paragraph, clearly state the purpose of the letter, which is to remind the recipient of the overdue payment. Money Owed Demand Letter – Strictly for debts or outstanding balances.This article provides a template for a debt settlement proposal letter and explains what a debt settlement letter should contain. "Craft your Small Claims Demand Letter efficiently using our guide. Learn how to prepare for a small claims case and assert your legal rights effectively." Sending a past due letter is one thing, but they'll only work effectively if they're designed well enough to catch the recipients attention. This request must be in writing. Clearly state the amount of unpaid wages you are owed. How do I file a claim? The letter begins with the creditor's contact information, including their name, address, phone number, and email address.