New York Demand Letter Certification and Demand Letter (Required in Commercial Claims Arising Out of Consumer Transactions) is a legal document that is used to demand payment from a debtor. This document is often used by businesses to collect payment for goods or services provided to a consumer. This type of document is typically required in claims arising out of consumer transactions in the state of New York. In order to be certified and accepted in New York, the Demand Letter must include certain information, such as a detailed description of the services and/or goods provided, the amount due, the terms of payment and a demand for payment. It must also include a notice of the right to dispute the claim and a warning of potential consequences if payment is not received. The Demand Letter must also be accompanied by a Certificate of Service, which is an affidavit that the letter was served to the debtor. There are two types of New York Demand Letter Certification and Demand Letter (Required in Commercial Claims Arising Out of Consumer Transactions): a formal demand letter and an informal demand letter. A formal demand letter is typically used for larger amounts due, and must be accompanied by the Certificate of Service. An informal demand letter is used for smaller amounts due and does not require the Certificate of Service. The Demand Letter must be sent to the debtor’s last known address, or to the address specified by the debtor, in order to be valid. Once the Demand Letter is sent, the debtor has 30 days to respond and/or make payment. If the debtor fails to respond or make payment within the allotted time, the creditor may then pursue additional legal action, such as filing a lawsuit or taking the debtor to collections.