The Collection Agency Demand Letter is a crucial document in the Belgian debt recovery process, used when formal attempts to collect outstanding debts are initiated through a licensed collection agency. This document must strictly comply with the Law of 20 December 2002 on Amicable Recovery of Consumer Debts and related Belgian regulations, which set specific requirements for content, format, and delivery. The letter serves as an official notification to debtors, typically issued after initial payment deadlines have passed and before legal proceedings are considered. It must include precise details about the debt, creditor information, payment instructions, and statutory notices, while maintaining a professional and non-threatening tone as required by Belgian law. The document is essential for establishing a clear record of collection attempts and protecting both creditor and collection agency rights while respecting debtor protections under Belgian consumer law.
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1. Letterhead and Date: Collection agency's official letterhead including registration number, address, and date of the letter
2. Recipient Details: Full name and address of the debtor
3. Subject Line: Clear identification of the purpose: 'FORMAL PAYMENT NOTICE - [Reference Number]'
4. Debt Information: Details of the original debt, including creditor name, invoice numbers, dates, and amounts
5. Legal Basis: Reference to the underlying contract or obligation and applicable Belgian law
6. Payment Details: Total amount due, payment methods, and account information
7. Response Timeline: Clear deadline for response or payment (typically 15 days under Belgian law)
8. Contact Information: How the debtor can contact the agency to discuss the debt or arrange payment
9. Legal Disclaimers: Required statements under Belgian law including debt collection license information
1. Payment Plan Options: Include when the agency is authorized to offer payment arrangements
2. Previous Communication Reference: Include when this is not the first notice
3. Dispute Rights: Detailed section about dispute rights when dealing with contested debts
4. Interest Calculation: Include when charging legal interest on the outstanding amount
5. Third-Party Authorization: Include when the letter is sent to an authorized representative
1. Debt Calculation Schedule: Detailed breakdown of principal amount, interest, and any additional charges
2. Original Invoice Copies: Copies of relevant invoices or contracts showing the original debt
3. Payment History: Schedule showing previous payments made and remaining balance
4. Authorization Documentation: Proof of the collection agency's authority to collect the debt
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