The world’s best collection letter – text

Mr. Deon Thedeadbeat
Slow Payers International
30-60-90 Past Due Trail
Payup, North Dakota 58103

Dear Deon,

As you are aware, you have a large printing debt of $2700.00 that remains unpaid. We feel we have done everything possible within reason to collect the money you owe us. We have decided that unless you make immediate plans to repay us this money, we will write this debt off our books and claim it as a “bad debt loss” to the IRS.

Did you know that any money you owe us and don’t pay should legally be declared as “additional income” for you and your business during the year in which you incurred the debt?

If we decide to write off this debt, we will use IRS form 1099-A, which will show the IRS that the $2700.00 became income for you and bad debt for Express Press.

Please, for your sake, pay this bill or contact Express Press immediately to set up some type of monthly installment payment plan. If we have not heard from you within 30 days of the date of this letter, we will submit papers to the IRS to initiate action.


Mike L. Stevens

Here is a simple question: Do you really want the IRS poking around your tax returns to see if you claimed that money as income? Wouldn’t it just be easier to pay your bill?