The Threatening Letter For Non Payment is a critical document used when previous attempts to collect payment have been unsuccessful and the creditor needs to escalate the matter while maintaining legal compliance. This document is particularly important in the Nigerian business environment, where it serves as a formal precursor to legal action and must comply with local debt recovery regulations and civil procedure rules. It is typically issued after multiple informal attempts at collection have failed and before initiating formal legal proceedings. The letter must balance firmness with legal compliance, including specific details about the debt, payment history, and consequences of non-payment, while avoiding language that could be construed as criminal intimidation under Nigerian law. It's essential for businesses and individuals dealing with payment defaults and requires careful consideration of timing, tone, and legal requirements.

1. Sender Details: Full business/individual name, address, and contact information of the creditor

2. Date and Reference: Current date and any relevant reference numbers for the debt or previous correspondence

3. Recipient Details: Full name, title (if applicable), and address of the debtor

4. Subject Line: Clear indication that this is a formal demand for payment

5. Debt Details: Specific amount owed, original due date, and nature of the debt

6. Payment History: Summary of previous payment requests and any partial payments made

7. Legal Basis: Reference to the contract or agreement that forms the basis of the debt

8. Formal Demand: Clear statement of demand for immediate payment

9. Consequences: Description of legal actions that will be taken if payment is not received

10. Payment Instructions: Clear details of how and where to make the payment

11. Response Timeline: Specific deadline for response or payment

12. Closing: Formal closing statement, signature block, and creditor's contact information