The Debt Collection Final Notice Letter is a crucial document in the Belgian debt recovery process, representing the final step before legal action. It is used when previous attempts to collect a debt have been unsuccessful and the creditor intends to escalate to legal proceedings. The document must comply with Belgian legislation, particularly the Law of 20 December 2002 on Amicable Recovery of Consumer Debts, and include specific legally required information such as detailed debt calculations, payment history, and clear payment terms. This final notice serves multiple purposes: it provides the debtor with a last opportunity to settle the debt, establishes a formal record of the collection attempt, and fulfills legal requirements for pre-litigation notices in Belgium. The document is typically used after other collection attempts have failed and when the debt amount justifies potential legal action.
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1. Sender Details: Full legal name, address, and registration details of the creditor company/debt collector, including any relevant license numbers required under Belgian law
2. Recipient Details: Full name and address of the debtor, including any reference numbers
3. Date and Reference: Current date and all relevant reference numbers including original invoice numbers and debt collection case numbers
4. Subject Line: Clear indication that this is a Final Notice (Laatste Aanmaning/Dernière Sommation) before legal action
5. Debt Details: Detailed breakdown of the original debt amount, date incurred, any interest accrued, and current total amount due
6. Payment History: Summary of previous payment requests and reminders sent, with dates
7. Payment Instructions: Clear payment deadline, accepted payment methods, and complete banking details
8. Legal Consequences: Clear statement of legal actions that will follow if payment is not received by the deadline
9. Contact Information: How the debtor can contact the creditor/debt collector to discuss the debt or arrange payment
1. Payment Plan Option: Include when there's willingness to accept structured payment arrangements, outlining possible terms
2. Previous Correspondence Reference: Include when there has been significant prior communication or disputed elements
3. Legal Basis: Include when dealing with sophisticated debtors or complex cases, citing relevant legal provisions
4. Dispute Resolution Process: Include when required by specific industry regulations or when dealing with consumer debts
1. Statement of Account: Detailed breakdown of all transactions, payments, interest calculations, and current balance
2. Copy of Original Invoice(s): Copies of all relevant original invoices or contracts that form the basis of the debt
3. Previous Notices Log: Timeline of all previous communications and payment requests sent to the debtor
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