The Harsh Collection Letter is a critical tool in the Philippine debt collection process, typically employed after other collection attempts have proven unsuccessful. This document represents a creditor's final written demand before pursuing legal action, requiring careful balance between firmness and compliance with Philippine regulations, particularly the Consumer Act of the Philippines and BSP Circular No. 454 on unfair collection practices. The letter should be used when the debt is clearly established, previous collection attempts are documented, and the creditor is prepared to take legal action if necessary. It must include specific details about the debt, payment history, clear payment demands, and potential consequences while avoiding any language or tactics that could be construed as harassment under Philippine law. The Harsh Collection Letter serves as both a final opportunity for the debtor to settle and potential evidence in future legal proceedings.

1. Letterhead and Date: Company letterhead, current date, and reference number of the account/debt

2. Recipient Details: Complete name and address of the debtor, account number, and other relevant identification details

3. Subject Line: Clear indication that this is a final demand notice or collection letter

4. Debt Details: Specific amount owed, original debt date, accumulated interest, and penalties if applicable

5. Payment History: Brief summary of previous payment attempts and communications

6. Demand Statement: Clear and firm demand for immediate payment with specific deadline

7. Consequences: Detail of legal actions and other consequences that will follow non-payment

8. Payment Instructions: Clear instructions on how and where to make the payment

9. Contact Information: Details for the debtor to contact the collections department

10. Signature Block: Official signature, name, and title of the authorized representative