Demand Letter - Payment

ALASKA DEMAND FOR PAYMENT LETTER

Scope gate. Use this form only for a creditor demanding payment of a documented obligation from the person allegedly responsible for it. Do not use it as a statutory lien notice, eviction or rent notice, government-contract claim, consumer-debt validation notice, collection-agency letter, secured-party disposition notice, or substitute for a contractually required default notice.

Underlying documents control. This letter records a demand; it does not amend the agreement, make silence an admission, impose a new covenant, select a new forum, waive defenses, or create a right to interest, fees, or damages that the agreement or law does not provide.

1. PRE-SEND RECORD

Attach the agreement, invoice ledger, payment history, credits, correspondence, and calculation supporting the demand. Do not include sensitive account or personal information that the recipient does not need.

2. INTEREST AND FEE GATE

Complete this section before requesting anything beyond principal:

☐ Contract rate. The signed writing provides for interest or a late charge at [RATE / FORMULA], in [SECTION], and counsel confirmed that the provision applies to this obligation.

☐ Statutory rate. No contract rate is claimed. AS 45.45.010(a) states a 10.5 percent annual rate on money after it is due, except as provided in subsection (b). Counsel confirmed the statute applies to this debt and calculation period.

☐ No interest requested. The demand is limited to principal and documented charges.

AS 45.45.010(b) separately limits interest charged by express agreement, subject to its formula, exceptions, and the exemption for a principal amount exceeding $25,000. Do not select a rate merely because it appears in this template. AS 09.30.070 governs judgment interest and specified prejudgment interest; it does not convert every pre-suit payment demand into an interest-bearing claim.

Attorney fees and collection costs may be requested only if a contract or applicable law supports them. Alaska Civil Rule 82 generally awards prevailing-party attorney fees in a civil case, calculated by the court under the rule; it is not a promise that a pre-suit creditor will recover all fees.

3. DEMAND LETTER

Date: [__/__/____]

Via: ☐ Contract-required method ☐ Certified mail ☐ First-class mail ☐ Email by agreement ☐ Hand delivery ☐ Other: [________]

To:

[DEBTOR FULL LEGAL NAME]

[ADDRESS]

[EMAIL, IF USED]

From:

[CREDITOR / COUNSEL NAME]

[ADDRESS]

[TELEPHONE / EMAIL]

Re: Demand for payment under [AGREEMENT / INVOICE / OBLIGATION]

[DEBTOR NAME]:

The records identified in Schedule A show that $[TOTAL] is unpaid as of [CALCULATION DATE] under [IDENTIFY THE AGREEMENT, INVOICE, OR OTHER OBLIGATION]. The amount is calculated as follows:

Please pay the total demanded by [__/__/____] using [PAYMENT METHOD AND SAFE DELIVERY INSTRUCTIONS]. Do not send bank credentials by unsecured email.

If you dispute any part of the amount, send a written response by [__/__/____] identifying the disputed entry and attaching supporting records. Silence will not be treated as an admission or as a new promise to pay.

If payment or a documented proposal is not received by the stated date, Creditor will evaluate the remedies available under the underlying documents and applicable law. No lawsuit, fee award, attachment, lien, acceleration, or other remedy is represented as automatic.

This letter does not waive any timely claim, defense, credit, offset, or remedy. It does not amend the underlying agreement or create a new agreement, forum selection, assignment restriction, asset-transfer restriction, confession, or acknowledgment.

Sincerely,

[CREDITOR / COUNSEL NAME]

Signature: ________________________________________

Printed name / title: [________________________________]

4. CONDITIONAL OR PARTIAL PAYMENT CONTROL

AS 45.03.311 can discharge a disputed or unliquidated claim when a person in good faith tenders a negotiable instrument as full satisfaction, includes the required conspicuous statement, and the claimant obtains payment, subject to the section's exceptions and repayment route.

Use this intake protocol:

☐ Route every check or instrument marked “payment in full,” “full settlement,” “accord and satisfaction,” or similar language to counsel before deposit or electronic collection.

☐ Preserve the instrument, envelope, remittance advice, email, and accompanying communication.

☐ Do not rely on a unilateral sentence in this demand letter to defeat AS 45.03.311.

5. LIMITATIONS AND LITIGATION CHECK

AS 09.10.053 generally bars an action on an express or implied contract unless commenced within three years, subject to AS 09.10.040, other law, and contractual waiver. Determine accrual, tolling, contractual limitation provisions, renewal or acknowledgment issues, and claim-specific statutes before sending a deadline or threatening suit.

Before litigation, confirm:

☐ Correct plaintiff and defendant legal names and capacities;

☐ Subject-matter jurisdiction, personal jurisdiction, judicial district, and venue;

☐ Every contractual notice, cure, mediation, arbitration, and condition-precedent requirement;

☐ Principal, interest, fee, credit, and offset calculations;

☐ Limitation deadline and any contract waiver under AS 09.10.053;

☐ Whether the sender is acting as a debt collector or collection agency and whether consumer-debt rules apply; and

☐ Reciprocal attorney-fee exposure under Alaska Civil Rule 82.

SOURCES AND REFERENCES

• AS 09.10.053 — contract actions
• AS 09.30.070 — judgment and prejudgment interest
• AS 45.03.311 — accord and satisfaction by use of instrument
• AS 45.45.010 — legal rate of interest
• Alaska Rules of Civil Procedure — Rule 82

Verified against current official Alaska statute and court-rule text on 2026-08-09. Recheck the agreement, payment ledger, current interest calculation, sender's regulatory status, and any later amendment before sending.