The Final Collection Letter is a crucial document in the UAE's debt recovery process, serving as the final formal communication before legal action is pursued. It is typically issued after multiple unsuccessful attempts to collect a debt and must strictly adhere to UAE Federal Laws, including Civil Code (Federal Law No. 5 of 1985) and Commercial Transactions Law (Federal Law No. 18 of 1993). This document is essential when the creditor has exhausted normal collection procedures and needs to establish a clear record of final demand before proceeding with legal enforcement. The letter must include specific elements required by UAE law, such as detailed debt information, payment history, and clear payment terms, while avoiding any threatening language that could violate UAE regulations regarding debt collection practices.
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1. Sender Details: Full legal name, address, and contact information of the creditor or collection agency
2. Date and Reference: Current date and all relevant reference numbers (invoice numbers, account numbers, etc.)
3. Recipient Details: Full legal name and address of the debtor
4. Subject Line: Clear indication that this is a final collection notice before legal action
5. Debt Details: Specific amount owed, original due date, and basis of the debt
6. Payment History: Summary of previous payment attempts and communications
7. Final Demand: Clear statement of the total amount due including any authorized late fees or interest
8. Payment Instructions: Detailed payment methods and banking information
9. Deadline: Clear payment deadline with specific date (typically 7-14 days as per UAE practice)
10. Legal Consequences: Statement of legal actions that will be taken if payment is not received
11. Closing: Professional closing with contact information for payment arrangements
1. Interest Calculation: Detailed breakdown of interest charges - include when interest has been applied to the debt
2. Payment Plan Option: Include when the creditor is willing to consider a final payment arrangement
3. Previous Correspondence Reference: Include when multiple collection attempts have been made
4. Legal Authority Citation: Reference to relevant UAE laws - include when dealing with corporate debtors or large sums
5. Without Prejudice Statement: Include when the letter contains any negotiation terms or settlement offers
1. Statement of Account: Detailed breakdown of the debt, including original amount, interest, fees, and any payments made
2. Copy of Original Invoice(s): Copies of all relevant original invoices or contracts
3. Payment History Log: Detailed log of all payment attempts and communications
4. Interest Calculation Sheet: Detailed calculation of interest charges if applicable
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