Final Notice Email Before Sending to a Collections Agency
A final notice works only if it’s calm and enforceable. Use these templates to set a firm deadline, offer a payment plan option, and document the next step clearly.
Generate free previewWhen to use / when to send
Checklist / what to include
- Invoice #{{InvoiceNumber}} and balance {{Amount}}
- Due date {{DueDate}} and note it remains unpaid
- Final deadline: resolve by {{DeadlineDate}}
- Option: pay via {{PayLink}} or propose a written plan by {{ReplyByDate}}
- A direct contact line {{Phone}} for immediate resolution
Copy/paste templates
How to use these templates
Recommended timing / follow-up plan
- Send final notice early in the week so {{DeadlineDate}} is a business day
- Call the same day and ask for the scheduled payment date or written plan
- Send a written recap after the call confirming what they committed to
- Send one short bump 48 hours before {{DeadlineDate}}
- After {{DeadlineDate}}, follow through with the next step you stated
Best practices / common mistakes
- Do: keep the language procedural and consistent
- Do: set one deadline and repeat it exactly
- Don’t: threaten consequences you won’t follow through on
- Don’t: renegotiate repeatedly without any payment
- Do: keep all communication documented in the same thread