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The Final Demand For Payment Letter is a critical document in Swiss debt collection practices, used when previous attempts to secure payment have been unsuccessful. It serves as the final formal communication before initiating legal proceedings under the Swiss Code of Obligations (OR) and the Federal Debt Collection and Bankruptcy Act (SchKG). This document is typically issued after regular invoices and payment reminders have been ignored or disputed. It must include specific details about the debt, payment terms, and clearly state the intention to pursue legal action if payment is not received by a specified deadline. The letter needs to be precise and compliant with Swiss legal requirements, as it may be used as evidence in subsequent legal proceedings. It's particularly important to note that in Switzerland, this document plays a crucial role in establishing the creditor's good faith attempts to resolve the matter before pursuing formal debt collection procedures.

1. Sender Details: Full legal name, address, and contact information of the creditor

2. Date: Current date of the letter

3. Recipient Details: Full legal name and address of the debtor

4. Subject Line: Clear indication that this is a final demand for payment (e.g., 'FINAL DEMAND FOR PAYMENT - LEGAL NOTICE')

5. Debt Details: Specific amount owed, original due date, and reference to the underlying obligation or contract

6. Payment History: Brief summary of previous payment requests and communications

7. Payment Instructions: Detailed payment method, bank details, and deadline for payment

8. Legal Consequences: Clear statement of legal actions that will be taken if payment is not received by the deadline

9. Signature: Formal signature block with name and title of the sender